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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 | $134,817+136.2% | $123,973+156.8% | $155,188+105.2% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 19.53% | 515.49%-496.0pp | 388.13%-368.6pp | 148.84%-129.3pp |
| Employer contribution / active EE | $12,412 | $4,425+180.5% | $4,126+200.9% | $4,248+192.2% |
| Participant deferral / active EE | $16,737 | $5,706+193.3% | $5,247+219.0% | $6,531+156.3% |
| Admin fee / account holder | $961 | $13,245-92.7% | $11,799-91.9% | $14,480-93.4% |