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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 | $438,435 | $162,136+170.4% | $152,301+187.9% | $154,746+183.3% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 16.35% | 91.02%-74.7pp | 80.50%-64.2pp | 172.34%-156.0pp |
| Employer contribution / active EE | $13,524 | $4,890+176.5% | $4,624+192.4% | $4,379+208.8% |
| Participant deferral / active EE | $12,438 | $8,341+49.1% | $8,004+55.4% | $6,730+84.8% |
| Admin fee / account holder | $41,732 | $15,759+164.8% | $14,398+189.8% | $14,365+190.5% |