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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 | $338,276 | $183,592+84.3% | $155,574+117.4% | $145,877+131.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 11.71% | 61.37%-49.7pp | 64.87%-53.2pp | 551.28%-539.6pp |
| Employer contribution / active EE | $4,286 | $5,317-19.4% | $4,676-8.3% | $4,663-8.1% |
| Participant deferral / active EE | $8,195 | $6,466+26.7% | $5,629+45.6% | $6,691+22.5% |
| Admin fee / account holder | $14,506 | $19,316-24.9% | $15,914-8.9% | $13,402+8.2% |