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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 | $409,072 | $202,440+102.1% | $169,390+141.5% | $139,466+193.3% |
| Participation rate | 100.0% | 81.1%+18.9pp | 77.2%+22.8pp | 80.3%+19.7pp |
| Annual return | 22.97% | 532.36%-509.4pp | 406.07%-383.1pp | 373.66%-350.7pp |
| Employer contribution / active EE | $16,093 | $4,693+242.9% | $4,013+301.1% | $4,754+238.5% |
| Participant deferral / active EE | $16,427 | $6,940+136.7% | $6,222+164.0% | $6,712+144.7% |
| Admin fee / account holder | $11,244 | $10,722+4.9% | $9,015+24.7% | $11,409-1.4% |