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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 | $542,470 | $166,089+226.6% | $164,928+228.9% | $145,978+271.6% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 17.18% | 100.26%-83.1pp | 70.08%-52.9pp | 550.52%-533.3pp |
| Employer contribution / active EE | $31,502 | $5,276+497.0% | $4,343+625.3% | $4,662+575.7% |
| Participant deferral / active EE | $24,348 | $6,961+249.8% | $6,034+303.5% | $6,690+264.0% |
| Admin fee / account holder | $2,792 | $16,641-83.2% | $12,684-78.0% | $13,400-79.2% |