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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 | $382,591 | $223,823+70.9% | $211,142+81.2% | $154,746+147.2% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 20.63% | 50.39%-29.8pp | 46.84%-26.2pp | 172.34%-151.7pp |
| Employer contribution / active EE | $6,620 | $6,787-2.5% | $6,442+2.8% | $4,379+51.2% |
| Participant deferral / active EE | $13,937 | $9,750+42.9% | $9,284+50.1% | $6,730+107.1% |
| Admin fee / account holder | $558 | $19,707-97.2% | $19,076-97.1% | $14,365-96.1% |