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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 | $257,010 | $228,395+12.5% | $185,861+38.3% | $158,982+61.7% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 17.46% | 40.82%-23.4pp | 35.96%-18.5pp | 302.99%-285.5pp |
| Employer contribution / active EE | $17,081 | $4,968+243.8% | $4,088+317.8% | $4,763+258.6% |
| Participant deferral / active EE | $17,333 | $6,417+170.1% | $5,634+207.7% | $5,983+189.7% |
| Admin fee / account holder | $1,883 | $11,869-84.1% | $9,503-80.2% | $11,252-83.3% |