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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 | $223,823+104.8% | $211,142+117.2% | $154,746+196.3% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 16.31% | 50.39%-34.1pp | 46.84%-30.5pp | 172.34%-156.0pp |
| Employer contribution / active EE | $21,866 | $6,787+222.2% | $6,442+239.4% | $4,379+399.3% |
| Participant deferral / active EE | $19,217 | $9,750+97.1% | $9,284+107.0% | $6,730+185.5% |
| Admin fee / account holder | $7,872 | $19,707-60.1% | $19,076-58.7% | $14,365-45.2% |