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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 | $458,495 | $209,336+119.0% | $197,124+132.6% | $137,256+234.0% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 16.31% | 48.09%-31.8pp | 44.34%-28.0pp | 220.34%-204.0pp |
| Employer contribution / active EE | $21,866 | $6,591+231.8% | $6,227+251.1% | $4,156+426.1% |
| Participant deferral / active EE | $19,217 | $9,614+99.9% | $9,135+110.4% | $6,407+199.9% |
| Admin fee / account holder | $7,872 | $17,308-54.5% | $16,298-51.7% | $12,270-35.8% |