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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 | $490,348 | $183,592+167.1% | $155,574+215.2% | $145,877+236.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 20.48% | 61.37%-40.9pp | 64.87%-44.4pp | 551.28%-530.8pp |
| Employer contribution / active EE | $17,123 | $5,317+222.1% | $4,676+266.2% | $4,663+267.2% |
| Participant deferral / active EE | $8,756 | $6,466+35.4% | $5,629+55.5% | $6,691+30.9% |
| Admin fee / account holder | $346 | $19,316-98.2% | $15,914-97.8% | $13,402-97.4% |