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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 | $372,678 | $172,111+116.5% | $150,298+148.0% | $137,256+171.5% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 13.37% | 69.37%-56.0pp | 62.79%-49.4pp | 220.34%-207.0pp |
| Employer contribution / active EE | $9,784 | $4,636+111.0% | $4,154+135.5% | $4,156+135.4% |
| Participant deferral / active EE | $8,262 | $6,166+34.0% | $5,453+51.5% | $6,407+29.0% |
| Admin fee / account holder | $5,438 | $16,471-67.0% | $14,116-61.5% | $12,270-55.7% |