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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 | $336,860 | $184,014+83.1% | $161,149+109.0% | $138,895+142.5% |
| Participation rate | 100.0% | 82.1%+17.9pp | 78.8%+21.2pp | 79.9%+20.1pp |
| Annual return | 14.86% | 21.52%-6.7pp | 21.16%-6.3pp | 145.39%-130.5pp |
| Employer contribution / active EE | $22,146 | $5,055+338.1% | $4,360+407.9% | $4,194+428.0% |
| Participant deferral / active EE | $11,458 | $6,909+65.8% | $6,153+86.2% | $6,396+79.1% |
| Admin fee / account holder | $21,845 | $18,027+21.2% | $15,194+43.8% | $12,562+73.9% |