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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 | $283,781 | $165,381+71.6% | $149,730+89.5% | $158,966+78.5% |
| Participation rate | 83.3% | 84.6%-1.2pp | 82.5%+0.9pp | 82.0%+1.4pp |
| Annual return | 25.17% | 348.29%-323.1pp | 276.70%-251.5pp | 302.95%-277.8pp |
| Employer contribution / active EE | $20,155 | $5,104+294.9% | $4,645+333.9% | $4,762+323.2% |
| Participant deferral / active EE | $18,579 | $7,182+158.7% | $6,843+171.5% | $5,983+210.5% |
| Admin fee / account holder | $1,235 | $10,809-88.6% | $9,310-86.7% | $11,250-89.0% |