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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 | $530,936 | $178,174+198.0% | $156,181+239.9% | $137,256+286.8% |
| Participation rate | 83.3% | 82.0%+1.3pp | 78.8%+4.5pp | 80.0%+3.4pp |
| Annual return | 15.20% | 84.19%-69.0pp | 64.87%-49.7pp | 220.34%-205.1pp |
| Employer contribution / active EE | $24,465 | $4,972+392.1% | $4,294+469.8% | $4,156+488.7% |
| Participant deferral / active EE | $16,743 | $6,888+143.1% | $6,132+173.0% | $6,407+161.3% |
| Admin fee / account holder | $120,930 | $17,404+594.8% | $14,586+729.1% | $12,270+885.6% |