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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 | $332,104 | $183,592+80.9% | $155,574+113.5% | $145,877+127.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 21.05% | 61.37%-40.3pp | 64.87%-43.8pp | 551.28%-530.2pp |
| Employer contribution / active EE | $5,714 | $5,317+7.5% | $4,676+22.2% | $4,663+22.5% |
| Participant deferral / active EE | $11,022 | $6,466+70.5% | $5,629+95.8% | $6,691+64.7% |
| Admin fee / account holder | $800 | $19,316-95.9% | $15,914-95.0% | $13,402-94.0% |