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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 | $411,628 | $201,344+104.4% | $184,243+123.4% | $145,877+182.2% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 55.84% | 29.01%+26.8pp | 28.82%+27.0pp | 551.28%-495.4pp |
| Employer contribution / active EE | $9,129 | $7,022+30.0% | $6,427+42.0% | $4,663+95.8% |
| Participant deferral / active EE | $20,613 | $9,807+110.2% | $9,132+125.7% | $6,691+208.1% |
| Admin fee / account holder | $318 | $16,382-98.1% | $13,914-97.7% | $13,402-97.6% |