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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 | $340,924 | $181,896+87.4% | $156,551+117.8% | $273,972+24.4% |
| Participation rate | 100.0% | 88.4%+11.6pp | 84.0%+16.0pp | 83.0%+17.0pp |
| Annual return | 10.16% | 30.74%-20.6pp | 32.23%-22.1pp | 41.46%-31.3pp |
| Employer contribution / active EE | $12,007 | $6,248+92.2% | $5,501+118.3% | $4,869+146.6% |
| Participant deferral / active EE | $11,308 | $5,550+103.7% | $4,871+132.1% | $5,287+113.9% |
| Admin fee / account holder | $24,997 | $15,560+60.6% | $13,028+91.9% | $10,133+146.7% |