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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 | $605,154 | $174,379+247.0% | $152,093+297.9% | $138,895+335.7% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 14.33% | 74.86%-60.5pp | 66.36%-52.0pp | 145.39%-131.1pp |
| Employer contribution / active EE | $24,927 | $4,652+435.9% | $4,175+497.1% | $4,194+494.3% |
| Participant deferral / active EE | $17,841 | $6,159+189.7% | $5,451+227.3% | $6,396+178.9% |
| Admin fee / account holder | $21,088 | $16,880+24.9% | $14,497+45.5% | $12,562+67.9% |