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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 | $295,890 | $201,344+47.0% | $184,243+60.6% | $145,877+102.8% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 17.72% | 29.01%-11.3pp | 28.82%-11.1pp | 551.28%-533.6pp |
| Employer contribution / active EE | $17,304 | $7,022+146.4% | $6,427+169.2% | $4,663+271.1% |
| Participant deferral / active EE | $9,774 | $9,807-0.3% | $9,132+7.0% | $6,691+46.1% |
| Admin fee / account holder | $2,159 | $16,382-86.8% | $13,914-84.5% | $13,402-83.9% |