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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 | $419,747 | $201,372+108.4% | $184,260+127.8% | $145,884+187.7% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 23.03% | 29.04%-6.0pp | 28.84%-5.8pp | 551.85%-528.8pp |
| Employer contribution / active EE | $46,000 | $7,024+554.9% | $6,427+615.7% | $4,662+886.6% |
| Participant deferral / active EE | $18,400 | $9,808+87.6% | $9,133+101.5% | $6,690+175.1% |
| Admin fee / account holder | $661 | $16,362-96.0% | $13,898-95.2% | $13,392-95.1% |