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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 | $519,986 | $156,398+232.5% | $147,318+253.0% | $138,895+274.4% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 14.26% | 78.75%-64.5pp | 70.43%-56.2pp | 145.39%-131.1pp |
| Employer contribution / active EE | $15,983 | $4,853+229.3% | $4,593+248.0% | $4,194+281.1% |
| Participant deferral / active EE | $17,782 | $8,237+115.9% | $7,906+124.9% | $6,396+178.0% |
| Admin fee / account holder | $3,892 | $14,976-74.0% | $13,708-71.6% | $12,562-69.0% |