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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 | $420,335 | $212,386+97.9% | $199,883+110.3% | $138,895+202.6% |
| Participation rate | 100.0% | 87.4%+12.6pp | 86.8%+13.2pp | 79.9%+20.1pp |
| Annual return | 34.38% | 47.75%-13.4pp | 43.81%-9.4pp | 145.39%-111.0pp |
| Employer contribution / active EE | $36,843 | $6,625+456.1% | $6,261+488.4% | $4,194+778.4% |
| Participant deferral / active EE | $33,520 | $9,617+248.5% | $9,138+266.8% | $6,396+424.1% |
| Admin fee / account holder | $24,842 | $18,233+36.2% | $17,268+43.9% | $12,562+97.7% |