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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 | $334,838 | $108,942+207.4% | $100,415+233.5% | $145,897+129.5% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 15.02% | 58.27%-43.3pp | 49.47%-34.5pp | 552.29%-537.3pp |
| Employer contribution / active EE | $5,325 | $4,422+20.4% | $3,943+35.1% | $4,663+14.2% |
| Participant deferral / active EE | $14,391 | $8,461+70.1% | $8,091+77.9% | $6,689+115.1% |
| Admin fee / account holder | $1,611 | $9,702-83.4% | $7,906-79.6% | $13,390-88.0% |