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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 | $513,295 | $155,555+230.0% | $146,866+249.5% | $155,188+230.8% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 18.57% | 115.41%-96.8pp | 102.85%-84.3pp | 148.84%-130.3pp |
| Employer contribution / active EE | $3,241 | $4,647-30.3% | $4,425-26.8% | $4,248-23.7% |
| Participant deferral / active EE | $13,625 | $8,044+69.4% | $7,759+75.6% | $6,531+108.6% |
| Admin fee / account holder | $17,738 | $14,755+20.2% | $13,620+30.2% | $14,480+22.5% |