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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 | $420,938 | $185,312+127.2% | $161,489+160.7% | $154,746+172.0% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 16.56% | 103.84%-87.3pp | 89.72%-73.2pp | 172.34%-155.8pp |
| Employer contribution / active EE | $5,163 | $4,769+8.3% | $4,268+21.0% | $4,379+17.9% |
| Participant deferral / active EE | $21,957 | $6,350+245.8% | $5,630+290.0% | $6,730+226.2% |
| Admin fee / account holder | $3,083 | $18,654-83.5% | $16,006-80.7% | $14,365-78.5% |