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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 | $262,688 | $201,264+30.5% | $184,185+42.6% | $145,978+80.0% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 25.14% | 29.00%-3.9pp | 28.81%-3.7pp | 550.52%-525.4pp |
| Employer contribution / active EE | $12,614 | $7,021+79.7% | $6,426+96.3% | $4,662+170.6% |
| Participant deferral / active EE | $13,867 | $9,806+41.4% | $9,132+51.8% | $6,690+107.3% |
| Admin fee / account holder | $515 | $16,376-96.9% | $13,909-96.3% | $13,400-96.2% |