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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 | $532,492 | $155,555+242.3% | $146,866+262.6% | $155,188+243.1% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 11.84% | 115.41%-103.6pp | 102.85%-91.0pp | 148.84%-137.0pp |
| Employer contribution / active EE | $6,277 | $4,647+35.1% | $4,425+41.9% | $4,248+47.8% |
| Participant deferral / active EE | $16,143 | $8,044+100.7% | $7,759+108.0% | $6,531+147.2% |
| Admin fee / account holder | $15,091 | $14,755+2.3% | $13,620+10.8% | $14,480+4.2% |