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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 | $363,234 | $157,829+130.1% | $136,867+165.4% | $198,609+82.9% |
| Participation rate | 100.0% | 77.2%+22.8pp | 74.5%+25.5pp | 82.4%+17.6pp |
| Annual return | 15.33% | 51.25%-35.9pp | 42.97%-27.6pp | 202.70%-187.4pp |
| Employer contribution / active EE | $22,263 | $3,923+467.5% | $3,547+527.7% | $5,055+340.4% |
| Participant deferral / active EE | $9,756 | $5,463+78.6% | $4,924+98.1% | $6,977+39.8% |
| Admin fee / account holder | $25,468 | $11,107+129.3% | $10,340+146.3% | $19,030+33.8% |