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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 | $372,085 | $185,883+100.2% | $170,043+118.8% | $139,466+166.8% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 24.37% | 60.54%-36.2pp | 53.40%-29.0pp | 373.66%-349.3pp |
| Employer contribution / active EE | $16,010 | $7,596+110.8% | $6,790+135.8% | $4,754+236.8% |
| Participant deferral / active EE | $15,632 | $11,626+34.5% | $10,410+50.2% | $6,712+132.9% |
| Admin fee / account holder | $35,148 | $15,393+128.3% | $12,824+174.1% | $11,409+208.1% |