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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 | $394,854 | $114,119+246.0% | $107,187+268.4% | $138,895+184.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 12.21% | 273.21%-261.0pp | 204.55%-192.3pp | 145.39%-133.2pp |
| Employer contribution / active EE | $17,594 | $4,059+333.5% | $3,782+365.2% | $4,194+319.5% |
| Participant deferral / active EE | $8,413 | $5,538+51.9% | $5,096+65.1% | $6,396+31.5% |
| Admin fee / account holder | $35,158 | $10,024+250.8% | $9,162+283.7% | $12,562+179.9% |