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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 | $256,895 | $211,288+21.6% | $178,540+43.9% | $145,884+76.1% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 13.94% | 30.27%-16.3pp | 27.15%-13.2pp | 551.85%-537.9pp |
| Employer contribution / active EE | $23,898 | $4,574+422.5% | $3,953+504.6% | $4,662+412.6% |
| Participant deferral / active EE | $20,242 | $6,967+190.6% | $6,281+222.3% | $6,690+202.6% |
| Admin fee / account holder | $2,810 | $12,105-76.8% | $10,424-73.0% | $13,392-79.0% |