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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 | $268,633 | $165,381+62.4% | $149,730+79.4% | $158,966+69.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 20.30% | 348.29%-328.0pp | 276.70%-256.4pp | 302.95%-282.6pp |
| Employer contribution / active EE | $8,383 | $5,104+64.2% | $4,645+80.5% | $4,762+76.0% |
| Participant deferral / active EE | $14,898 | $7,182+107.4% | $6,843+117.7% | $5,983+149.0% |
| Admin fee / account holder | $1,251 | $10,809-88.4% | $9,310-86.6% | $11,250-88.9% |