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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 | $302,071 | $167,415+80.4% | $140,514+115.0% | $198,609+52.1% |
| Participation rate | 100.0% | 80.9%+19.1pp | 77.8%+22.2pp | 82.4%+17.6pp |
| Annual return | 19.50% | 13.85%+5.6pp | 14.36%+5.1pp | 202.70%-183.2pp |
| Employer contribution / active EE | $25,205 | $4,088+516.6% | $3,378+646.1% | $5,055+398.6% |
| Participant deferral / active EE | $18,153 | $5,579+225.4% | $4,919+269.1% | $6,977+160.2% |
| Admin fee / account holder | $18,869 | $16,730+12.8% | $13,697+37.8% | $19,030-0.8% |