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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 | $433,397 | $183,592+136.1% | $155,574+178.6% | $145,877+197.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 9.97% | 61.37%-51.4pp | 64.87%-54.9pp | 551.28%-541.3pp |
| Employer contribution / active EE | $11,625 | $5,317+118.7% | $4,676+148.6% | $4,663+149.3% |
| Participant deferral / active EE | $6,571 | $6,466+1.6% | $5,629+16.7% | $6,691-1.8% |
| Admin fee / account holder | $4,700 | $19,316-75.7% | $15,914-70.5% | $13,402-64.9% |