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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 | $291,512 | $114,119+155.4% | $107,187+172.0% | $138,895+109.9% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 16.42% | 273.21%-256.8pp | 204.55%-188.1pp | 145.39%-129.0pp |
| Employer contribution / active EE | $18,707 | $4,059+360.9% | $3,782+394.6% | $4,194+346.0% |
| Participant deferral / active EE | $19,061 | $5,538+244.2% | $5,096+274.0% | $6,396+198.0% |
| Admin fee / account holder | $1,488 | $10,024-85.2% | $9,162-83.8% | $12,562-88.2% |