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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 | $352,442 | $154,228+128.5% | $145,433+142.3% | $137,256+156.8% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 42.94% | 74.59%-31.6pp | 66.58%-23.6pp | 220.34%-177.4pp |
| Employer contribution / active EE | $34,006 | $4,804+607.9% | $4,554+646.7% | $4,156+718.2% |
| Participant deferral / active EE | $25,748 | $8,216+213.4% | $7,897+226.0% | $6,407+301.9% |
| Admin fee / account holder | $18,221 | $14,344+27.0% | $13,129+38.8% | $12,270+48.5% |