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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 | $342,333 | $183,592+86.5% | $155,574+120.0% | $145,877+134.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 12.19% | 61.37%-49.2pp | 64.87%-52.7pp | 551.28%-539.1pp |
| Employer contribution / active EE | $12,823 | $5,317+141.2% | $4,676+174.2% | $4,663+175.0% |
| Participant deferral / active EE | $6,258 | $6,466-3.2% | $5,629+11.2% | $6,691-6.5% |
| Admin fee / account holder | $47,041 | $19,316+143.5% | $15,914+195.6% | $13,402+251.0% |