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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 | $309,337 | $183,539+68.5% | $155,556+98.9% | $145,897+112.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 12.53% | 61.31%-48.8pp | 64.84%-52.3pp | 552.29%-539.8pp |
| Employer contribution / active EE | $14,464 | $5,315+172.1% | $4,675+209.4% | $4,663+210.2% |
| Participant deferral / active EE | $8,807 | $6,467+36.2% | $5,631+56.4% | $6,689+31.7% |
| Admin fee / account holder | $773 | $19,275-96.0% | $15,885-95.1% | $13,390-94.2% |