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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 | $299,800 | $172,111+74.2% | $150,298+99.5% | $137,256+118.4% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 34.02% | 69.37%-35.4pp | 62.79%-28.8pp | 220.34%-186.3pp |
| Employer contribution / active EE | $11,923 | $4,636+157.2% | $4,154+187.0% | $4,156+186.9% |
| Participant deferral / active EE | $6,856 | $6,166+11.2% | $5,453+25.7% | $6,407+7.0% |
| Admin fee / account holder | $15,872 | $16,471-3.6% | $14,116+12.4% | $12,270+29.4% |