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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 | $155,555+164.4% | $146,866+180.1% | $155,188+165.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 16.38% | 115.41%-99.0pp | 102.85%-86.5pp | 148.84%-132.5pp |
| Employer contribution / active EE | $20,673 | $4,647+344.9% | $4,425+367.2% | $4,248+386.7% |
| Participant deferral / active EE | $16,979 | $8,044+111.1% | $7,759+118.8% | $6,531+160.0% |
| Admin fee / account holder | $9,607 | $14,755-34.9% | $13,620-29.5% | $14,480-33.7% |