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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 | $471,329 | $183,539+156.8% | $155,556+203.0% | $145,897+223.1% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 14.84% | 61.31%-46.5pp | 64.84%-50.0pp | 552.29%-537.5pp |
| Employer contribution / active EE | $12,404 | $5,315+133.4% | $4,675+165.3% | $4,663+166.0% |
| Participant deferral / active EE | $7,002 | $6,467+8.3% | $5,631+24.4% | $6,689+4.7% |
| Admin fee / account holder | $3,081 | $19,275-84.0% | $15,885-80.6% | $13,390-77.0% |