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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 | $369,841 | $183,516+101.5% | $155,534+137.8% | $145,884+153.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 14.93% | 61.43%-46.5pp | 64.92%-50.0pp | 551.85%-536.9pp |
| Employer contribution / active EE | $19,230 | $5,315+261.8% | $4,675+311.4% | $4,662+312.5% |
| Participant deferral / active EE | $13,480 | $6,467+108.5% | $5,630+139.4% | $6,690+101.5% |
| Admin fee / account holder | $1,085 | $19,293-94.4% | $15,900-93.2% | $13,392-91.9% |