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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 | $279,467 | $185,856+50.4% | $170,028+64.4% | $139,456+100.4% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 20.52% | 60.52%-40.0pp | 53.39%-32.9pp | 373.45%-352.9pp |
| Employer contribution / active EE | $11,509 | $7,593+51.6% | $6,788+69.6% | $4,753+142.1% |
| Participant deferral / active EE | $10,088 | $11,623-13.2% | $10,409-3.1% | $6,711+50.3% |
| Admin fee / account holder | $11,415 | $15,387-25.8% | $12,820-11.0% | $11,407+0.1% |