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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 | $369,726 | $201,344+83.6% | $184,243+100.7% | $145,877+153.5% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 20.84% | 29.01%-8.2pp | 28.82%-8.0pp | 551.28%-530.4pp |
| Employer contribution / active EE | $14,525 | $7,022+106.8% | $6,427+126.0% | $4,663+211.5% |
| Participant deferral / active EE | $13,541 | $9,807+38.1% | $9,132+48.3% | $6,691+102.4% |
| Admin fee / account holder | $2,247 | $16,382-86.3% | $13,914-83.8% | $13,402-83.2% |