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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 | $485,622 | $185,312+162.1% | $161,489+200.7% | $154,746+213.8% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 38.19% | 103.84%-65.7pp | 89.72%-51.5pp | 172.34%-134.2pp |
| Employer contribution / active EE | $18,326 | $4,769+284.3% | $4,268+329.3% | $4,379+318.5% |
| Participant deferral / active EE | $9,055 | $6,350+42.6% | $5,630+60.8% | $6,730+34.5% |
| Admin fee / account holder | $7,936 | $18,654-57.5% | $16,006-50.4% | $14,365-44.8% |