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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 | $293,883 | $166,242+76.8% | $165,071+78.0% | $145,884+101.5% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 8.84% | 100.44%-91.6pp | 70.17%-61.3pp | 551.85%-543.0pp |
| Employer contribution / active EE | $18,464 | $5,283+249.5% | $4,347+324.7% | $4,662+296.0% |
| Participant deferral / active EE | $15,678 | $6,964+125.1% | $6,035+159.8% | $6,690+134.4% |
| Admin fee / account holder | $1,393 | $16,658-91.6% | $12,695-89.0% | $13,392-89.6% |