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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 | $394,501 | $156,398+152.2% | $147,318+167.8% | $138,895+184.0% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 16.74% | 78.75%-62.0pp | 70.43%-53.7pp | 145.39%-128.7pp |
| Employer contribution / active EE | $12,994 | $4,853+167.7% | $4,593+182.9% | $4,194+209.8% |
| Participant deferral / active EE | $11,500 | $8,237+39.6% | $7,906+45.5% | $6,396+79.8% |
| Admin fee / account holder | $5,966 | $14,976-60.2% | $13,708-56.5% | $12,562-52.5% |