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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 | $387,714 | $183,516+111.3% | $155,534+149.3% | $145,884+165.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 15.05% | 61.43%-46.4pp | 64.92%-49.9pp | 551.85%-536.8pp |
| Employer contribution / active EE | $11,699 | $5,315+120.1% | $4,675+150.3% | $4,662+150.9% |
| Participant deferral / active EE | $6,124 | $6,467-5.3% | $5,630+8.8% | $6,690-8.4% |
| Admin fee / account holder | $3,442 | $19,293-82.2% | $15,900-78.4% | $13,392-74.3% |