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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 | $289,943 | $124,425+133.0% | $112,040+158.8% | $137,256+111.2% |
| Participation rate | 100.0% | 79.3%+20.7pp | 76.5%+23.5pp | 80.0%+20.0pp |
| Annual return | 49.23% | 24.72%+24.5pp | 24.52%+24.7pp | 220.34%-171.1pp |
| Employer contribution / active EE | $31,862 | $3,411+834.0% | $2,954+978.6% | $4,156+666.6% |
| Participant deferral / active EE | $17,562 | $5,718+207.1% | $5,098+244.5% | $6,407+174.1% |
| Admin fee / account holder | $11,267 | $15,207-25.9% | $12,098-6.9% | $12,270-8.2% |