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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 | $418,122 | $228,352+83.1% | $185,835+125.0% | $158,966+163.0% |
| Participation rate | 100.0% | 82.3%+17.7pp | 78.0%+22.0pp | 82.0%+18.0pp |
| Annual return | 14.83% | 40.81%-26.0pp | 35.96%-21.1pp | 302.95%-288.1pp |
| Employer contribution / active EE | $23,264 | $4,967+368.4% | $4,087+469.2% | $4,762+388.5% |
| Participant deferral / active EE | $10,153 | $6,416+58.2% | $5,633+80.2% | $5,983+69.7% |
| Admin fee / account holder | $2,286 | $11,867-80.7% | $9,502-75.9% | $11,250-79.7% |