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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 | $265,363 | $223,823+18.6% | $211,142+25.7% | $154,746+71.5% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 15.28% | 50.39%-35.1pp | 46.84%-31.6pp | 172.34%-157.1pp |
| Employer contribution / active EE | $7,537 | $6,787+11.1% | $6,442+17.0% | $4,379+72.1% |
| Participant deferral / active EE | $24,131 | $9,750+147.5% | $9,284+159.9% | $6,730+258.5% |
| Admin fee / account holder | $2,833 | $19,707-85.6% | $19,076-85.2% | $14,365-80.3% |