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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 | $271,778 | $183,592+48.0% | $155,574+74.7% | $145,877+86.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 25.14% | 61.37%-36.2pp | 64.87%-39.7pp | 551.28%-526.1pp |
| Employer contribution / active EE | $4,937 | $5,317-7.1% | $4,676+5.6% | $4,663+5.9% |
| Participant deferral / active EE | $12,088 | $6,466+87.0% | $5,629+114.7% | $6,691+80.7% |
| Admin fee / account holder | $17,798 | $19,316-7.9% | $15,914+11.8% | $13,402+32.8% |