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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 | $479,521 | $124,980+283.7% | $108,359+342.5% | $154,746+209.9% |
| Participation rate | 100.0% | 75.2%+24.8pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 11.08% | 45.00%-33.9pp | 36.89%-25.8pp | 172.34%-161.3pp |
| Employer contribution / active EE | $15,139 | $2,851+431.1% | $2,399+530.9% | $4,379+245.7% |
| Participant deferral / active EE | $12,825 | $4,743+170.4% | $4,137+210.0% | $6,730+90.6% |
| Admin fee / account holder | $8,793 | $11,502-23.6% | $9,741-9.7% | $14,365-38.8% |