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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 | $323,192 | $99,652+224.3% | $78,778+310.3% | $147,586+119.0% |
| Participation rate | 100.0% | 76.2%+23.8pp | 69.2%+30.8pp | 82.8%+17.2pp |
| Annual return | 9.75% | 47.28%-37.5pp | 35.62%-25.9pp | 578.59%-568.8pp |
| Employer contribution / active EE | $9,209 | $2,796+229.4% | $1,986+363.8% | $4,876+88.8% |
| Participant deferral / active EE | $6,637 | $3,664+81.2% | $2,958+124.3% | $5,439+22.0% |
| Admin fee / account holder | $7,894 | $7,155+10.3% | $5,134+53.8% | $10,886-27.5% |