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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 | $297,487 | $154,228+92.9% | $145,433+104.6% | $137,256+116.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 18.74% | 74.59%-55.9pp | 66.58%-47.8pp | 220.34%-201.6pp |
| Employer contribution / active EE | $26,026 | $4,804+441.8% | $4,554+471.4% | $4,156+526.2% |
| Participant deferral / active EE | $13,863 | $8,216+68.7% | $7,897+75.5% | $6,407+116.4% |
| Admin fee / account holder | $5,369 | $14,344-62.6% | $13,129-59.1% | $12,270-56.2% |