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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 | $343,724 | $209,336+64.2% | $197,124+74.4% | $137,256+150.4% |
| Participation rate | 100.0% | 87.3%+12.7pp | 86.7%+13.3pp | 80.0%+20.0pp |
| Annual return | 58.30% | 48.09%+10.2pp | 44.34%+14.0pp | 220.34%-162.0pp |
| Employer contribution / active EE | $34,621 | $6,591+425.3% | $6,227+455.9% | $4,156+733.0% |
| Participant deferral / active EE | $21,830 | $9,614+127.1% | $9,135+139.0% | $6,407+240.7% |
| Admin fee / account holder | $84,906 | $17,308+390.6% | $16,298+421.0% | $12,270+592.0% |