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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 | $396,334 | $275,752+43.7% | $256,809+54.3% | $198,609+99.6% |
| Participation rate | 100.0% | 89.2%+10.8pp | 88.5%+11.5pp | 82.4%+17.6pp |
| Annual return | 13.94% | 34.81%-20.9pp | 32.73%-18.8pp | 202.70%-188.8pp |
| Employer contribution / active EE | $9,925 | $7,721+28.6% | $7,263+36.7% | $5,055+96.3% |
| Participant deferral / active EE | $18,649 | $10,037+85.8% | $9,520+95.9% | $6,977+167.3% |
| Admin fee / account holder | $1,201 | $25,716-95.3% | $25,146-95.2% | $19,030-93.7% |