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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 | $353,733 | $196,972+79.6% | $182,262+94.1% | $198,609+78.1% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 20.34% | 158.27%-137.9pp | 140.60%-120.3pp | 202.70%-182.4pp |
| Employer contribution / active EE | $26,847 | $5,364+400.6% | $5,046+432.1% | $5,055+431.1% |
| Participant deferral / active EE | $22,545 | $8,643+160.9% | $8,276+172.4% | $6,977+223.1% |
| Admin fee / account holder | $777 | $18,429-95.8% | $16,712-95.3% | $19,030-95.9% |