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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 | $285,095 | $154,228+84.9% | $145,433+96.0% | $137,256+107.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 70.98% | 74.59%-3.6pp | 66.58%+4.4pp | 220.34%-149.4pp |
| Employer contribution / active EE | $18,952 | $4,804+294.5% | $4,554+316.1% | $4,156+356.0% |
| Participant deferral / active EE | $20,072 | $8,216+144.3% | $7,897+154.2% | $6,407+213.3% |
| Admin fee / account holder | $1,360 | $14,344-90.5% | $13,129-89.6% | $12,270-88.9% |