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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 | $255,484 | $111,535+129.1% | $105,223+142.8% | $137,256+86.1% |
| Participation rate | 80.0% | 78.1%+1.9pp | 75.0%+5.0pp | 80.0%0pp |
| Annual return | 17.55% | 237.85%-220.3pp | 180.65%-163.1pp | 220.34%-202.8pp |
| Employer contribution / active EE | $15,931 | $3,939+304.4% | $3,689+331.9% | $4,156+283.3% |
| Participant deferral / active EE | $10,278 | $5,500+86.9% | $5,072+102.7% | $6,407+60.4% |
| Admin fee / account holder | $1,070 | $9,721-89.0% | $8,859-87.9% | $12,270-91.3% |