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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 | $537,852 | $182,442+194.8% | $163,379+229.2% | $138,895+287.2% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.8%+23.2pp | 79.9%+20.1pp |
| Annual return | 18.73% | 72.74%-54.0pp | 63.41%-44.7pp | 145.39%-126.7pp |
| Employer contribution / active EE | $22,534 | $4,159+441.7% | $3,752+500.5% | $4,194+437.2% |
| Participant deferral / active EE | $17,750 | $6,817+160.4% | $6,282+182.6% | $6,396+177.5% |
| Admin fee / account holder | $5,038 | $10,396-51.5% | $9,818-48.7% | $12,562-59.9% |