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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 | $400,254 | $185,883+115.3% | $170,043+135.4% | $139,466+187.0% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 21.44% | 60.54%-39.1pp | 53.40%-32.0pp | 373.66%-352.2pp |
| Employer contribution / active EE | $23,821 | $7,596+213.6% | $6,790+250.8% | $4,754+401.1% |
| Participant deferral / active EE | $15,000 | $11,626+29.0% | $10,410+44.1% | $6,712+123.5% |
| Admin fee / account holder | $1,019 | $15,393-93.4% | $12,824-92.1% | $11,409-91.1% |