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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 | $283,064 | $114,119+148.0% | $107,187+164.1% | $138,895+103.8% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 14.37% | 273.21%-258.8pp | 204.55%-190.2pp | 145.39%-131.0pp |
| Employer contribution / active EE | $12,257 | $4,059+202.0% | $3,782+224.1% | $4,194+192.2% |
| Participant deferral / active EE | $12,606 | $5,538+127.6% | $5,096+147.4% | $6,396+97.1% |
| Admin fee / account holder | $3,718 | $10,024-62.9% | $9,162-59.4% | $12,562-70.4% |