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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 | $436,758 | $209,336+108.6% | $197,124+121.6% | $137,256+218.2% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 22.39% | 48.09%-25.7pp | 44.34%-22.0pp | 220.34%-198.0pp |
| Employer contribution / active EE | $19,836 | $6,591+201.0% | $6,227+218.5% | $4,156+377.3% |
| Participant deferral / active EE | $16,329 | $9,614+69.8% | $9,135+78.8% | $6,407+154.9% |
| Admin fee / account holder | $14,721 | $17,308-14.9% | $16,298-9.7% | $12,270+20.0% |