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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 | $352,999 | $227,399+55.2% | $189,758+86.0% | $198,609+77.7% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 11.42% | 61.03%-49.6pp | 52.62%-41.2pp | 202.70%-191.3pp |
| Employer contribution / active EE | $10,048 | $5,526+81.8% | $4,767+110.8% | $5,055+98.8% |
| Participant deferral / active EE | $12,399 | $6,837+81.4% | $5,856+111.7% | $6,977+77.7% |
| Admin fee / account holder | $3,527 | $25,162-86.0% | $20,388-82.7% | $19,030-81.5% |