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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 | $262,545 | $239,571+9.6% | $183,328+43.2% | $137,256+91.3% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 80.0%+20.0pp |
| Annual return | 20.56% | 35.69%-15.1pp | 29.67%-9.1pp | 220.34%-199.8pp |
| Employer contribution / active EE | $9,698 | $6,148+57.8% | $5,055+91.8% | $4,156+133.3% |
| Participant deferral / active EE | $19,009 | $7,995+137.8% | $6,795+179.7% | $6,407+196.7% |
| Admin fee / account holder | $4,538 | $30,059-84.9% | $21,427-78.8% | $12,270-63.0% |