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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 | $473,990 | $174,379+171.8% | $152,093+211.6% | $138,895+241.3% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 15.57% | 74.86%-59.3pp | 66.36%-50.8pp | 145.39%-129.8pp |
| Employer contribution / active EE | $11,667 | $4,652+150.8% | $4,175+179.5% | $4,194+178.2% |
| Participant deferral / active EE | $18,460 | $6,159+199.7% | $5,451+238.6% | $6,396+188.6% |
| Admin fee / account holder | $110,061 | $16,880+552.0% | $14,497+659.2% | $12,562+776.1% |