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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 | $411,333 | $156,398+163.0% | $147,318+179.2% | $138,895+196.1% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 16.38% | 78.75%-62.4pp | 70.43%-54.0pp | 145.39%-129.0pp |
| Employer contribution / active EE | $20,673 | $4,853+326.0% | $4,593+350.1% | $4,194+392.9% |
| Participant deferral / active EE | $16,979 | $8,237+106.1% | $7,906+114.8% | $6,396+165.5% |
| Admin fee / account holder | $9,607 | $14,976-35.9% | $13,708-29.9% | $12,562-23.5% |