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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 | $433,946 | $156,398+177.5% | $147,318+194.6% | $138,895+212.4% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 21.41% | 78.75%-57.3pp | 70.43%-49.0pp | 145.39%-124.0pp |
| Employer contribution / active EE | $5,147 | $4,853+6.0% | $4,593+12.1% | $4,194+22.7% |
| Participant deferral / active EE | $4,347 | $8,237-47.2% | $7,906-45.0% | $6,396-32.0% |
| Admin fee / account holder | $681 | $14,976-95.5% | $13,708-95.0% | $12,562-94.6% |