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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 | $422,526 | $156,398+170.2% | $147,318+186.8% | $138,895+204.2% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 13.64% | 78.75%-65.1pp | 70.43%-56.8pp | 145.39%-131.8pp |
| Employer contribution / active EE | $38,802 | $4,853+699.5% | $4,593+744.8% | $4,194+825.1% |
| Participant deferral / active EE | $17,735 | $8,237+115.3% | $7,906+124.3% | $6,396+177.3% |
| Admin fee / account holder | $3,044 | $14,976-79.7% | $13,708-77.8% | $12,562-75.8% |