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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 | $279,523 | $201,264+38.9% | $184,185+51.8% | $145,978+91.5% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 14.59% | 29.00%-14.4pp | 28.81%-14.2pp | 550.52%-535.9pp |
| Employer contribution / active EE | $19,226 | $7,021+173.8% | $6,426+199.2% | $4,662+312.4% |
| Participant deferral / active EE | $14,660 | $9,806+49.5% | $9,132+60.5% | $6,690+119.2% |
| Admin fee / account holder | $3,372 | $16,376-79.4% | $13,909-75.8% | $13,400-74.8% |