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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 | $396,501 | $183,627+115.9% | $155,602+154.8% | $145,978+171.6% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 14.88% | 61.32%-46.4pp | 64.81%-49.9pp | 550.52%-535.6pp |
| Employer contribution / active EE | $3,447 | $5,316-35.2% | $4,675-26.3% | $4,662-26.1% |
| Participant deferral / active EE | $5,802 | $6,466-10.3% | $5,629+3.1% | $6,690-13.3% |
| Admin fee / account holder | $17,295 | $19,327-10.5% | $15,923+8.6% | $13,400+29.1% |