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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 | $267,648 | $197,637+35.4% | $177,848+50.5% | $158,982+68.4% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 9.57% | 58.77%-49.2pp | 48.33%-38.8pp | 302.99%-293.4pp |
| Employer contribution / active EE | $22,033 | $6,698+228.9% | $5,919+272.3% | $4,763+362.6% |
| Participant deferral / active EE | $17,922 | $8,405+113.2% | $7,714+132.3% | $5,983+199.5% |
| Admin fee / account holder | $14,955 | $15,406-2.9% | $12,431+20.3% | $11,252+32.9% |