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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 | $414,847 | $97,125+327.1% | $86,233+381.1% | $137,256+202.2% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 17.49% | 74.19%-56.7pp | 61.39%-43.9pp | 220.34%-202.9pp |
| Employer contribution / active EE | $14,106 | $2,841+396.5% | $2,504+463.3% | $4,156+239.4% |
| Participant deferral / active EE | $23,949 | $5,180+362.4% | $4,559+425.3% | $6,407+273.8% |
| Admin fee / account holder | $2,683 | $9,725-72.4% | $8,342-67.8% | $12,270-78.1% |