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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 | $333,611 | $227,597+46.6% | $189,575+76.0% | $167,536+99.1% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.4%+21.6pp | 82.1%+17.9pp |
| Annual return | 41.90% | 78.44%-36.5pp | 64.19%-22.3pp | 478.82%-436.9pp |
| Employer contribution / active EE | $23,659 | $5,316+345.0% | $4,412+436.3% | $4,839+388.9% |
| Participant deferral / active EE | $23,805 | $7,002+240.0% | $6,174+285.6% | $6,342+275.3% |
| Admin fee / account holder | $1,563 | $11,877-86.8% | $9,806-84.1% | $12,315-87.3% |