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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 | $291,534 | $223,823+30.3% | $211,142+38.1% | $154,746+88.4% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 19.77% | 50.39%-30.6pp | 46.84%-27.1pp | 172.34%-152.6pp |
| Employer contribution / active EE | $15,999 | $6,787+135.7% | $6,442+148.3% | $4,379+265.4% |
| Participant deferral / active EE | $18,420 | $9,750+88.9% | $9,284+98.4% | $6,730+173.7% |
| Admin fee / account holder | $622 | $19,707-96.8% | $19,076-96.7% | $14,365-95.7% |