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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 | $314,620 | $197,637+59.2% | $177,848+76.9% | $158,982+97.9% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 20.61% | 58.77%-38.2pp | 48.33%-27.7pp | 302.99%-282.4pp |
| Employer contribution / active EE | $5,411 | $6,698-19.2% | $5,919-8.6% | $4,763+13.6% |
| Participant deferral / active EE | $18,733 | $8,405+122.9% | $7,714+142.9% | $5,983+213.1% |
| Admin fee / account holder | $2,481 | $15,406-83.9% | $12,431-80.0% | $11,252-77.9% |