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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 | $368,752 | $178,174+107.0% | $156,181+136.1% | $137,256+168.7% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 18.79% | 84.19%-65.4pp | 64.87%-46.1pp | 220.34%-201.6pp |
| Employer contribution / active EE | $18,348 | $4,972+269.1% | $4,294+327.3% | $4,156+341.5% |
| Participant deferral / active EE | $16,143 | $6,888+134.4% | $6,132+163.3% | $6,407+152.0% |
| Admin fee / account holder | $2,278 | $17,404-86.9% | $14,586-84.4% | $12,270-81.4% |