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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 | $345,512 | $178,174+93.9% | $156,181+121.2% | $137,256+151.7% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 13.94% | 84.19%-70.2pp | 64.87%-50.9pp | 220.34%-206.4pp |
| Employer contribution / active EE | $12,969 | $4,972+160.9% | $4,294+202.0% | $4,156+212.0% |
| Participant deferral / active EE | $14,528 | $6,888+110.9% | $6,132+136.9% | $6,407+126.8% |
| Admin fee / account holder | $26,832 | $17,404+54.2% | $14,586+84.0% | $12,270+118.7% |