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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 | $271,036 | $209,336+29.5% | $197,124+37.5% | $137,256+97.5% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 16.64% | 48.09%-31.4pp | 44.34%-27.7pp | 220.34%-203.7pp |
| Employer contribution / active EE | $10,119 | $6,591+53.5% | $6,227+62.5% | $4,156+143.5% |
| Participant deferral / active EE | $24,869 | $9,614+158.7% | $9,135+172.2% | $6,407+288.2% |
| Admin fee / account holder | $789 | $17,308-95.4% | $16,298-95.2% | $12,270-93.6% |