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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 | $411,452 | $192,829+113.4% | $142,516+188.7% | $139,466+195.0% |
| Participation rate | 100.0% | 81.4%+18.6pp | 76.8%+23.2pp | 80.3%+19.7pp |
| Annual return | 16.25% | 17.99%-1.7pp | 19.99%-3.7pp | 373.66%-357.4pp |
| Employer contribution / active EE | $25,233 | $5,808+334.4% | $4,849+420.4% | $4,754+430.8% |
| Participant deferral / active EE | $19,481 | $7,200+170.6% | $6,280+210.2% | $6,712+190.2% |
| Admin fee / account holder | $975 | $15,120-93.6% | $10,008-90.3% | $11,409-91.5% |