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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 | $393,028 | $157,296+149.9% | $141,191+178.4% | $152,897+157.1% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 23.34% | 64.34%-41.0pp | 71.41%-48.1pp | 345.43%-322.1pp |
| Employer contribution / active EE | $10,190 | $5,262+93.6% | $4,736+115.2% | $4,764+113.9% |
| Participant deferral / active EE | $13,955 | $7,111+96.3% | $6,710+108.0% | $5,851+138.5% |
| Admin fee / account holder | $630 | $12,125-94.8% | $10,264-93.9% | $11,599-94.6% |