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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 | $503,463 | $155,555+223.7% | $146,866+242.8% | $155,188+224.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 14.22% | 115.41%-101.2pp | 102.85%-88.6pp | 148.84%-134.6pp |
| Employer contribution / active EE | $16,216 | $4,647+249.0% | $4,425+266.5% | $4,248+281.8% |
| Participant deferral / active EE | $19,740 | $8,044+145.4% | $7,759+154.4% | $6,531+202.2% |
| Admin fee / account holder | $1,953 | $14,755-86.8% | $13,620-85.7% | $14,480-86.5% |