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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 | $318,758 | $148,623+114.5% | $135,974+134.4% | $139,466+128.6% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 19.06% | 79.30%-60.2pp | 68.30%-49.2pp | 373.66%-354.6pp |
| Employer contribution / active EE | $9,770 | $5,246+86.2% | $4,859+101.1% | $4,754+105.5% |
| Participant deferral / active EE | $14,483 | $8,103+78.7% | $7,760+86.6% | $6,712+115.8% |
| Admin fee / account holder | $2,209 | $12,406-82.2% | $10,767-79.5% | $11,409-80.6% |