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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 | $256,179 | $212,386+20.6% | $199,883+28.2% | $138,895+84.4% |
| Participation rate | 100.0% | 87.4%+12.6pp | 86.8%+13.2pp | 79.9%+20.1pp |
| Annual return | 16.86% | 47.75%-30.9pp | 43.81%-27.0pp | 145.39%-128.5pp |
| Employer contribution / active EE | $24,136 | $6,625+264.3% | $6,261+285.5% | $4,194+475.5% |
| Participant deferral / active EE | $18,851 | $9,617+96.0% | $9,138+106.3% | $6,396+194.7% |
| Admin fee / account holder | $11,573 | $18,233-36.5% | $17,268-33.0% | $12,562-7.9% |