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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 | $334,580 | $178,174+87.8% | $156,181+114.2% | $137,256+143.8% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 10.22% | 84.19%-74.0pp | 64.87%-54.7pp | 220.34%-210.1pp |
| Employer contribution / active EE | $5,044 | $4,972+1.5% | $4,294+17.5% | $4,156+21.4% |
| Participant deferral / active EE | $22,022 | $6,888+219.7% | $6,132+259.1% | $6,407+243.7% |
| Admin fee / account holder | $411 | $17,404-97.6% | $14,586-97.2% | $12,270-96.6% |