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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 | $335,452 | $156,398+114.5% | $147,318+127.7% | $138,895+141.5% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 13.84% | 78.75%-64.9pp | 70.43%-56.6pp | 145.39%-131.6pp |
| Employer contribution / active EE | $20,219 | $4,853+316.6% | $4,593+340.2% | $4,194+382.1% |
| Participant deferral / active EE | $12,254 | $8,237+48.8% | $7,906+55.0% | $6,396+91.6% |
| Admin fee / account holder | $2,828 | $14,976-81.1% | $13,708-79.4% | $12,562-77.5% |