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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 | $379,862 | $185,883+104.4% | $170,043+123.4% | $139,466+172.4% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 16.25% | 60.54%-44.3pp | 53.40%-37.2pp | 373.66%-357.4pp |
| Employer contribution / active EE | $14,407 | $7,596+89.7% | $6,790+112.2% | $4,754+203.0% |
| Participant deferral / active EE | $13,096 | $11,626+12.6% | $10,410+25.8% | $6,712+95.1% |
| Admin fee / account holder | $2,474 | $15,393-83.9% | $12,824-80.7% | $11,409-78.3% |