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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 | $274,998 | $201,372+36.6% | $184,260+49.2% | $145,884+88.5% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 11.28% | 29.04%-17.8pp | 28.84%-17.6pp | 551.85%-540.6pp |
| Employer contribution / active EE | $13,344 | $7,024+90.0% | $6,427+107.6% | $4,662+186.2% |
| Participant deferral / active EE | $14,422 | $9,808+47.0% | $9,133+57.9% | $6,690+115.6% |
| Admin fee / account holder | $15,108 | $16,362-7.7% | $13,898+8.7% | $13,392+12.8% |