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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 | $469,796 | $178,174+163.7% | $156,181+200.8% | $137,256+242.3% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 15.86% | 84.19%-68.3pp | 64.87%-49.0pp | 220.34%-204.5pp |
| Employer contribution / active EE | $21,657 | $4,972+335.6% | $4,294+404.4% | $4,156+421.1% |
| Participant deferral / active EE | $15,194 | $6,888+120.6% | $6,132+147.8% | $6,407+137.1% |
| Admin fee / account holder | $471 | $17,404-97.3% | $14,586-96.8% | $12,270-96.2% |