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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 | $488,420 | $175,259+178.7% | $149,723+226.2% | $139,487+250.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 16.10% | 166.82%-150.7pp | 134.50%-118.4pp | 373.84%-357.7pp |
| Employer contribution / active EE | $21,418 | $5,478+291.0% | $4,821+344.2% | $4,755+350.5% |
| Participant deferral / active EE | $12,860 | $6,522+97.2% | $5,682+126.3% | $6,713+91.6% |
| Admin fee / account holder | $1,483 | $16,158-90.8% | $13,215-88.8% | $11,407-87.0% |