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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 | $296,717 | $157,304+88.6% | $141,197+110.1% | $152,909+94.0% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 21.17% | 64.34%-43.2pp | 71.41%-50.2pp | 345.46%-324.3pp |
| Employer contribution / active EE | $8,428 | $5,263+60.2% | $4,736+78.0% | $4,764+76.9% |
| Participant deferral / active EE | $14,487 | $7,111+103.7% | $6,710+115.9% | $5,851+147.6% |
| Admin fee / account holder | $10,429 | $12,126-14.0% | $10,265+1.6% | $11,601-10.1% |