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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 | $431,187 | $154,228+179.6% | $145,433+196.5% | $137,256+214.1% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 27.48% | 74.59%-47.1pp | 66.58%-39.1pp | 220.34%-192.9pp |
| Employer contribution / active EE | $12,615 | $4,804+162.6% | $4,554+177.0% | $4,156+203.5% |
| Participant deferral / active EE | $9,067 | $8,216+10.4% | $7,897+14.8% | $6,407+41.5% |
| Admin fee / account holder | $604 | $14,344-95.8% | $13,129-95.4% | $12,270-95.1% |