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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 | $441,316 | $155,555+183.7% | $146,866+200.5% | $155,188+184.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 12.16% | 115.41%-103.3pp | 102.85%-90.7pp | 148.84%-136.7pp |
| Employer contribution / active EE | $25,817 | $4,647+455.6% | $4,425+483.5% | $4,248+507.8% |
| Participant deferral / active EE | $16,628 | $8,044+106.7% | $7,759+114.3% | $6,531+154.6% |
| Admin fee / account holder | $3,654 | $14,755-75.2% | $13,620-73.2% | $14,480-74.8% |