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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 | $278,047 | $135,956+104.5% | $123,894+124.4% | $273,972+1.5% |
| Participation rate | 100.0% | 84.1%+15.9pp | 81.4%+18.6pp | 83.0%+17.0pp |
| Annual return | 9.96% | 56.63%-46.7pp | 47.52%-37.6pp | 41.46%-31.5pp |
| Employer contribution / active EE | $13,316 | $5,170+157.6% | $4,617+188.4% | $4,869+173.5% |
| Participant deferral / active EE | $8,893 | $6,343+40.2% | $5,984+48.6% | $5,287+68.2% |
| Admin fee / account holder | $2,802 | $9,817-71.5% | $8,357-66.5% | $10,133-72.3% |