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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 | $334,396 | $157,304+112.6% | $141,197+136.8% | $152,909+118.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 17.89% | 64.34%-46.5pp | 71.41%-53.5pp | 345.46%-327.6pp |
| Employer contribution / active EE | $7,364 | $5,263+39.9% | $4,736+55.5% | $4,764+54.6% |
| Participant deferral / active EE | $11,172 | $7,111+57.1% | $6,710+66.5% | $5,851+90.9% |
| Admin fee / account holder | $1,203 | $12,126-90.1% | $10,265-88.3% | $11,601-89.6% |