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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 | $424,099 | $227,291+86.6% | $214,702+97.5% | $155,188+173.3% |
| Participation rate | 100.0% | 88.0%+12.0pp | 87.5%+12.5pp | 80.8%+19.2pp |
| Annual return | 16.34% | 60.08%-43.7pp | 54.55%-38.2pp | 148.84%-132.5pp |
| Employer contribution / active EE | $20,041 | $6,772+196.0% | $6,461+210.2% | $4,248+371.8% |
| Participant deferral / active EE | $16,742 | $9,582+74.7% | $9,147+83.0% | $6,531+156.3% |
| Admin fee / account holder | $386 | $20,413-98.1% | $19,830-98.1% | $14,480-97.3% |