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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 | $318,390 | $114,119+179.0% | $107,187+197.0% | $138,895+129.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 19.53% | 273.21%-253.7pp | 204.55%-185.0pp | 145.39%-125.9pp |
| Employer contribution / active EE | $12,412 | $4,059+205.8% | $3,782+228.2% | $4,194+195.9% |
| Participant deferral / active EE | $16,737 | $5,538+202.2% | $5,096+228.4% | $6,396+161.7% |
| Admin fee / account holder | $961 | $10,024-90.4% | $9,162-89.5% | $12,562-92.4% |