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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 | $201,370+30.5% | $184,256+42.6% | $145,897+80.0% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 25.14% | 29.05%-3.9pp | 28.85%-3.7pp | 552.29%-527.2pp |
| Employer contribution / active EE | $12,614 | $7,024+79.6% | $6,427+96.3% | $4,663+170.5% |
| Participant deferral / active EE | $13,867 | $9,808+41.4% | $9,133+51.8% | $6,689+107.3% |
| Admin fee / account holder | $515 | $16,364-96.9% | $13,899-96.3% | $13,390-96.2% |