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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 | $432,569 | $185,312+133.4% | $161,489+167.9% | $154,746+179.5% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 10.26% | 103.84%-93.6pp | 89.72%-79.5pp | 172.34%-162.1pp |
| Employer contribution / active EE | $11,800 | $4,769+147.4% | $4,268+176.5% | $4,379+169.5% |
| Participant deferral / active EE | $10,900 | $6,350+71.7% | $5,630+93.6% | $6,730+62.0% |
| Admin fee / account holder | $14,853 | $18,654-20.4% | $16,006-7.2% | $14,365+3.4% |