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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 | $376,063 | $217,432+73.0% | $185,849+102.3% | $167,536+124.5% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 12.49% | 148.42%-135.9pp | 122.10%-109.6pp | 478.82%-466.3pp |
| Employer contribution / active EE | $1,737 | $5,875-70.4% | $5,169-66.4% | $4,839-64.1% |
| Participant deferral / active EE | $13,632 | $6,357+114.4% | $5,569+144.8% | $6,342+114.9% |
| Admin fee / account holder | $17,050 | $19,818-14.0% | $16,244+5.0% | $12,315+38.5% |