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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 | $417,368 | $162,136+157.4% | $152,301+174.0% | $154,746+169.7% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 12.20% | 91.02%-78.8pp | 80.50%-68.3pp | 172.34%-160.1pp |
| Employer contribution / active EE | $5,031 | $4,890+2.9% | $4,624+8.8% | $4,379+14.9% |
| Participant deferral / active EE | $17,335 | $8,341+107.8% | $8,004+116.6% | $6,730+157.6% |
| Admin fee / account holder | $13,687 | $15,759-13.2% | $14,398-4.9% | $14,365-4.7% |