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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 | $317,569 | $155,555+104.2% | $146,866+116.2% | $155,188+104.6% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 14.79% | 115.41%-100.6pp | 102.85%-88.1pp | 148.84%-134.0pp |
| Employer contribution / active EE | $12,563 | $4,647+170.4% | $4,425+183.9% | $4,248+195.7% |
| Participant deferral / active EE | $8,115 | $8,044+0.9% | $7,759+4.6% | $6,531+24.3% |
| Admin fee / account holder | $40,920 | $14,755+177.3% | $13,620+200.4% | $14,480+182.6% |