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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 | $284,735 | $108,922+161.4% | $100,398+183.6% | $145,978+95.1% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 11.29% | 58.04%-46.7pp | 49.32%-38.0pp | 550.52%-539.2pp |
| Employer contribution / active EE | $29,746 | $4,426+572.1% | $3,946+653.9% | $4,662+538.1% |
| Participant deferral / active EE | $9,239 | $8,450+9.3% | $8,084+14.3% | $6,690+38.1% |
| Admin fee / account holder | $959 | $9,680-90.1% | $7,893-87.9% | $13,400-92.8% |