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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 | $201,264+60.8% | $184,185+75.7% | $145,978+121.6% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 13.09% | 29.00%-15.9pp | 28.81%-15.7pp | 550.52%-537.4pp |
| Employer contribution / active EE | $15,289 | $7,021+117.8% | $6,426+137.9% | $4,662+228.0% |
| Participant deferral / active EE | $9,900 | $9,806+1.0% | $9,132+8.4% | $6,690+48.0% |
| Admin fee / account holder | $14,085 | $16,376-14.0% | $13,909+1.3% | $13,400+5.1% |