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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 | $358,508 | $174,379+105.6% | $152,093+135.7% | $138,895+158.1% |
| Participation rate | 100.0% | 81.6%+18.4pp | 77.8%+22.2pp | 79.9%+20.1pp |
| Annual return | 200.29% | 74.86%+125.4pp | 66.36%+133.9pp | 145.39%+54.9pp |
| Employer contribution / active EE | $10,286 | $4,652+121.1% | $4,175+146.4% | $4,194+145.2% |
| Participant deferral / active EE | $14,658 | $6,159+138.0% | $5,451+168.9% | $6,396+129.2% |
| Admin fee / account holder | $1,724 | $16,880-89.8% | $14,497-88.1% | $12,562-86.3% |