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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 | $417,083 | $196,972+111.7% | $182,262+128.8% | $198,609+110.0% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 9.59% | 158.27%-148.7pp | 140.60%-131.0pp | 202.70%-193.1pp |
| Employer contribution / active EE | $22,058 | $5,364+311.3% | $5,046+337.2% | $5,055+336.3% |
| Participant deferral / active EE | $8,653 | $8,643+0.1% | $8,276+4.6% | $6,977+24.0% |
| Admin fee / account holder | $2,648 | $18,429-85.6% | $16,712-84.2% | $19,030-86.1% |