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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 | $521,982 | $225,673+131.3% | $203,872+156.0% | $155,188+236.4% |
| Participation rate | 100.0% | 80.3%+19.7pp | 77.8%+22.2pp | 80.8%+19.2pp |
| Annual return | 18.09% | 95.91%-77.8pp | 85.11%-67.0pp | 148.84%-130.8pp |
| Employer contribution / active EE | $22,991 | $4,099+460.9% | $3,757+511.9% | $4,248+441.2% |
| Participant deferral / active EE | $31,000 | $6,893+349.7% | $6,388+385.3% | $6,531+374.6% |
| Admin fee / account holder | $2,044 | $12,327-83.4% | $11,730-82.6% | $14,480-85.9% |