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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 | $307,563 | $183,592+67.5% | $155,574+97.7% | $145,877+110.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 10.60% | 61.37%-50.8pp | 64.87%-54.3pp | 551.28%-540.7pp |
| Employer contribution / active EE | $6,684 | $5,317+25.7% | $4,676+42.9% | $4,663+43.3% |
| Participant deferral / active EE | $8,683 | $6,466+34.3% | $5,629+54.2% | $6,691+29.8% |
| Admin fee / account holder | $14,943 | $19,316-22.6% | $15,914-6.1% | $13,402+11.5% |