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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 | $284,022 | $178,174+59.4% | $156,181+81.9% | $137,256+106.9% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 10.18% | 84.19%-74.0pp | 64.87%-54.7pp | 220.34%-210.2pp |
| Employer contribution / active EE | $20,484 | $4,972+312.0% | $4,294+377.0% | $4,156+392.9% |
| Participant deferral / active EE | $23,800 | $6,888+245.5% | $6,132+288.1% | $6,407+271.5% |
| Admin fee / account holder | $1,199 | $17,404-93.1% | $14,586-91.8% | $12,270-90.2% |