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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 | $430,462 | $156,398+175.2% | $147,318+192.2% | $138,895+209.9% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 20.42% | 78.75%-58.3pp | 70.43%-50.0pp | 145.39%-125.0pp |
| Employer contribution / active EE | $12,806 | $4,853+163.9% | $4,593+178.8% | $4,194+205.3% |
| Participant deferral / active EE | $21,818 | $8,237+164.9% | $7,906+176.0% | $6,396+241.1% |
| Admin fee / account holder | $26,764 | $14,976+78.7% | $13,708+95.2% | $12,562+113.0% |