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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 | $375,416 | $185,905+101.9% | $170,057+120.8% | $139,487+169.1% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 22.46% | 60.56%-38.1pp | 53.42%-31.0pp | 373.84%-351.4pp |
| Employer contribution / active EE | $15,620 | $7,597+105.6% | $6,790+130.0% | $4,755+228.5% |
| Participant deferral / active EE | $9,574 | $11,627-17.7% | $10,411-8.0% | $6,713+42.6% |
| Admin fee / account holder | $4,732 | $15,397-69.3% | $12,826-63.1% | $11,407-58.5% |