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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 | $439,231 | $223,823+96.2% | $211,142+108.0% | $154,746+183.8% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 26.45% | 50.39%-23.9pp | 46.84%-20.4pp | 172.34%-145.9pp |
| Employer contribution / active EE | $16,456 | $6,787+142.5% | $6,442+155.4% | $4,379+275.8% |
| Participant deferral / active EE | $13,831 | $9,750+41.8% | $9,284+49.0% | $6,730+105.5% |
| Admin fee / account holder | $800 | $19,707-95.9% | $19,076-95.8% | $14,365-94.4% |