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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 | $375,859 | $162,136+131.8% | $152,301+146.8% | $154,746+142.9% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 14.19% | 91.02%-76.8pp | 80.50%-66.3pp | 172.34%-158.1pp |
| Employer contribution / active EE | $9,164 | $4,890+87.4% | $4,624+98.2% | $4,379+109.3% |
| Participant deferral / active EE | $13,203 | $8,341+58.3% | $8,004+65.0% | $6,730+96.2% |
| Admin fee / account holder | $3,928 | $15,759-75.1% | $14,398-72.7% | $14,365-72.7% |