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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 | $536,537 | $227,291+136.1% | $214,702+149.9% | $155,188+245.7% |
| Participation rate | 100.0% | 88.0%+12.0pp | 87.5%+12.5pp | 80.8%+19.2pp |
| Annual return | 14.13% | 60.08%-45.9pp | 54.55%-40.4pp | 148.84%-134.7pp |
| Employer contribution / active EE | $21,983 | $6,772+224.6% | $6,461+240.3% | $4,248+417.5% |
| Participant deferral / active EE | $18,097 | $9,582+88.9% | $9,147+97.9% | $6,531+177.1% |
| Admin fee / account holder | $561 | $20,413-97.3% | $19,830-97.2% | $14,480-96.1% |