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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 | $432,656 | $88,702+387.8% | $81,780+429.0% | $145,978+196.4% |
| Participation rate | 100.0% | 75.0%+25.0pp | 72.4%+27.6pp | 80.3%+19.7pp |
| Annual return | 15.33% | 1029.12%-1013.8pp | 776.27%-760.9pp | 550.52%-535.2pp |
| Employer contribution / active EE | $3,531 | $3,084+14.5% | $2,914+21.2% | $4,662-24.3% |
| Participant deferral / active EE | $17,390 | $4,645+274.4% | $4,321+302.5% | $6,690+160.0% |
| Admin fee / account holder | $438 | $8,414-94.8% | $7,384-94.1% | $13,400-96.7% |