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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 | $269,035 | $211,239+27.4% | $178,528+50.7% | $145,877+84.4% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 17.70% | 30.22%-12.5pp | 27.11%-9.4pp | 551.28%-533.6pp |
| Employer contribution / active EE | $22,444 | $4,570+391.1% | $3,950+468.1% | $4,663+381.3% |
| Participant deferral / active EE | $22,812 | $6,963+227.6% | $6,278+263.4% | $6,691+241.0% |
| Admin fee / account holder | $15,617 | $12,095+29.1% | $10,419+49.9% | $13,402+16.5% |