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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 | $364,372 | $185,312+96.6% | $161,489+125.6% | $154,746+135.5% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 18.13% | 103.84%-85.7pp | 89.72%-71.6pp | 172.34%-154.2pp |
| Employer contribution / active EE | $16,382 | $4,769+243.5% | $4,268+283.8% | $4,379+274.1% |
| Participant deferral / active EE | $12,329 | $6,350+94.2% | $5,630+119.0% | $6,730+83.2% |
| Admin fee / account holder | $1,833 | $18,654-90.2% | $16,006-88.5% | $14,365-87.2% |