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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 | $315,956 | $185,312+70.5% | $161,489+95.7% | $154,746+104.2% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 20.07% | 103.84%-83.8pp | 89.72%-69.6pp | 172.34%-152.3pp |
| Employer contribution / active EE | $12,194 | $4,769+155.7% | $4,268+185.7% | $4,379+178.5% |
| Participant deferral / active EE | $15,500 | $6,350+144.1% | $5,630+175.3% | $6,730+130.3% |
| Admin fee / account holder | $620 | $18,654-96.7% | $16,006-96.1% | $14,365-95.7% |