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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 | $445,015 | $201,344+121.0% | $184,243+141.5% | $145,877+205.1% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 13.33% | 29.01%-15.7pp | 28.82%-15.5pp | 551.28%-538.0pp |
| Employer contribution / active EE | $22,135 | $7,022+215.2% | $6,427+244.4% | $4,663+374.7% |
| Participant deferral / active EE | $3,159 | $9,807-67.8% | $9,132-65.4% | $6,691-52.8% |
| Admin fee / account holder | $9,533 | $16,382-41.8% | $13,914-31.5% | $13,402-28.9% |