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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 | $277,795 | $211,224+31.5% | $178,505+55.6% | $145,897+90.4% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 9.40% | 30.28%-20.9pp | 27.16%-17.8pp | 552.29%-542.9pp |
| Employer contribution / active EE | $23,098 | $4,577+404.7% | $3,955+484.0% | $4,663+395.4% |
| Participant deferral / active EE | $25,500 | $6,966+266.1% | $6,280+306.0% | $6,689+281.2% |
| Admin fee / account holder | $5,649 | $12,109-53.3% | $10,428-45.8% | $13,390-57.8% |