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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 | $211,239+31.5% | $178,528+55.6% | $145,877+90.4% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 9.40% | 30.22%-20.8pp | 27.11%-17.7pp | 551.28%-541.9pp |
| Employer contribution / active EE | $23,098 | $4,570+405.4% | $3,950+484.7% | $4,663+395.4% |
| Participant deferral / active EE | $25,500 | $6,963+266.2% | $6,278+306.2% | $6,691+281.1% |
| Admin fee / account holder | $5,649 | $12,095-53.3% | $10,419-45.8% | $13,402-57.8% |