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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 | $462,777 | $201,372+129.8% | $184,260+151.2% | $145,884+217.2% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 14.59% | 29.04%-14.4pp | 28.84%-14.3pp | 551.85%-537.3pp |
| Employer contribution / active EE | $8,181 | $7,024+16.5% | $6,427+27.3% | $4,662+75.5% |
| Participant deferral / active EE | $17,227 | $9,808+75.6% | $9,133+88.6% | $6,690+157.5% |
| Admin fee / account holder | $1,289 | $16,362-92.1% | $13,898-90.7% | $13,392-90.4% |