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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 | $260,608 | $154,228+69.0% | $145,433+79.2% | $137,256+89.9% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 16.34% | 74.59%-58.3pp | 66.58%-50.2pp | 220.34%-204.0pp |
| Employer contribution / active EE | $17,539 | $4,804+265.1% | $4,554+285.1% | $4,156+322.0% |
| Participant deferral / active EE | $13,160 | $8,216+60.2% | $7,897+66.6% | $6,407+105.4% |
| Admin fee / account holder | $3,151 | $14,344-78.0% | $13,129-76.0% | $12,270-74.3% |