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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 | $564,050 | $148,629+279.5% | $135,982+314.8% | $139,487+304.4% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 12.33% | 79.33%-67.0pp | 68.32%-56.0pp | 373.84%-361.5pp |
| Employer contribution / active EE | $12,115 | $5,247+130.9% | $4,859+149.3% | $4,755+154.8% |
| Participant deferral / active EE | $13,961 | $8,102+72.3% | $7,760+79.9% | $6,713+108.0% |
| Admin fee / account holder | $31,268 | $12,406+152.0% | $10,767+190.4% | $11,407+174.1% |