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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 | $255,149 | $201,372+26.7% | $184,260+38.5% | $145,884+74.9% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 16.22% | 29.04%-12.8pp | 28.84%-12.6pp | 551.85%-535.6pp |
| Employer contribution / active EE | $29,579 | $7,024+321.1% | $6,427+360.2% | $4,662+534.4% |
| Participant deferral / active EE | $19,545 | $9,808+99.3% | $9,133+114.0% | $6,690+192.2% |
| Admin fee / account holder | $14,968 | $16,362-8.5% | $13,898+7.7% | $13,392+11.8% |