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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 | $465,735 | $201,344+131.3% | $184,243+152.8% | $145,877+219.3% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 20.23% | 29.01%-8.8pp | 28.82%-8.6pp | 551.28%-531.1pp |
| Employer contribution / active EE | $19,325 | $7,022+175.2% | $6,427+200.7% | $4,663+314.4% |
| Participant deferral / active EE | $26,750 | $9,807+172.8% | $9,132+192.9% | $6,691+299.8% |
| Admin fee / account holder | $5,422 | $16,382-66.9% | $13,914-61.0% | $13,402-59.5% |