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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 | $319,422 | $154,228+107.1% | $145,433+119.6% | $137,256+132.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 22.24% | 74.59%-52.3pp | 66.58%-44.3pp | 220.34%-198.1pp |
| Employer contribution / active EE | $10,748 | $4,804+123.7% | $4,554+136.0% | $4,156+158.6% |
| Participant deferral / active EE | $13,156 | $8,216+60.1% | $7,897+66.6% | $6,407+105.3% |
| Admin fee / account holder | $3,304 | $14,344-77.0% | $13,129-74.8% | $12,270-73.1% |