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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Assets per participant exceed $250,000 - top-decile high-value plan.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $265,459 | $154,228+72.1% | $145,433+82.5% | $137,256+93.4% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 14.55% | 74.59%-60.0pp | 66.58%-52.0pp | 220.34%-205.8pp |
| Employer contribution / active EE | $9,520 | $4,804+98.2% | $4,554+109.0% | $4,156+129.1% |
| Participant deferral / active EE | $16,069 | $8,216+95.6% | $7,897+103.5% | $6,407+150.8% |
| Admin fee / account holder | $12,312 | $14,344-14.2% | $13,129-6.2% | $12,270+0.3% |