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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 | $519,717 | $172,111+202.0% | $150,298+245.8% | $137,256+278.6% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 16.29% | 69.37%-53.1pp | 62.79%-46.5pp | 220.34%-204.0pp |
| Employer contribution / active EE | $8,275 | $4,636+78.5% | $4,154+99.2% | $4,156+99.1% |
| Participant deferral / active EE | $14,488 | $6,166+135.0% | $5,453+165.7% | $6,407+126.1% |
| Admin fee / account holder | $18,898 | $16,471+14.7% | $14,116+33.9% | $12,270+54.0% |