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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 | $323,534 | $201,370+60.7% | $184,256+75.6% | $145,897+121.8% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 13.09% | 29.05%-16.0pp | 28.85%-15.8pp | 552.29%-539.2pp |
| Employer contribution / active EE | $15,289 | $7,024+117.7% | $6,427+137.9% | $4,663+227.9% |
| Participant deferral / active EE | $9,900 | $9,808+0.9% | $9,133+8.4% | $6,689+48.0% |
| Admin fee / account holder | $14,085 | $16,364-13.9% | $13,899+1.3% | $13,390+5.2% |