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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 | $376,117 | $114,119+229.6% | $107,187+250.9% | $138,895+170.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 18.92% | 273.21%-254.3pp | 204.55%-185.6pp | 145.39%-126.5pp |
| Employer contribution / active EE | $22,219 | $4,059+447.4% | $3,782+487.5% | $4,194+429.7% |
| Participant deferral / active EE | $11,543 | $5,538+108.4% | $5,096+126.5% | $6,396+80.5% |
| Admin fee / account holder | $1,513 | $10,024-84.9% | $9,162-83.5% | $12,562-88.0% |