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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 | $280,128 | $185,905+50.7% | $170,057+64.7% | $139,487+100.8% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 35.31% | 60.56%-25.3pp | 53.42%-18.1pp | 373.84%-338.5pp |
| Employer contribution / active EE | $19,241 | $7,597+153.3% | $6,790+183.4% | $4,755+304.7% |
| Participant deferral / active EE | $17,010 | $11,627+46.3% | $10,411+63.4% | $6,713+153.4% |
| Admin fee / account holder | $12,932 | $15,397-16.0% | $12,826+0.8% | $11,407+13.4% |