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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 | $260,000 | $178,174+45.9% | $156,181+66.5% | $137,256+89.4% |
| Participation rate | 91.7% | 82.0%+9.6pp | 78.8%+12.8pp | 80.0%+11.7pp |
| Annual return | 17.54% | 84.19%-66.6pp | 64.87%-47.3pp | 220.34%-202.8pp |
| Employer contribution / active EE | $3,635 | $4,972-26.9% | $4,294-15.3% | $4,156-12.5% |
| Participant deferral / active EE | $10,195 | $6,888+48.0% | $6,132+66.3% | $6,407+59.1% |
| Admin fee / account holder | $39,340 | $17,404+126.0% | $14,586+169.7% | $12,270+220.6% |