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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 | $297,380 | $185,883+60.0% | $170,043+74.9% | $139,466+113.2% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 16.85% | 60.54%-43.7pp | 53.40%-36.6pp | 373.66%-356.8pp |
| Employer contribution / active EE | $11,274 | $7,596+48.4% | $6,790+66.0% | $4,754+137.1% |
| Participant deferral / active EE | $10,914 | $11,626-6.1% | $10,410+4.8% | $6,712+62.6% |
| Admin fee / account holder | $662 | $15,393-95.7% | $12,824-94.8% | $11,409-94.2% |