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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 | $266,540 | $154,228+72.8% | $145,433+83.3% | $137,256+94.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 64.57% | 74.59%-10.0pp | 66.58%-2.0pp | 220.34%-155.8pp |
| Employer contribution / active EE | $12,316 | $4,804+156.4% | $4,554+170.4% | $4,156+196.3% |
| Participant deferral / active EE | $20,185 | $8,216+145.7% | $7,897+155.6% | $6,407+215.0% |
| Admin fee / account holder | $498 | $14,344-96.5% | $13,129-96.2% | $12,270-95.9% |