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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 | $373,218 | $183,539+103.3% | $155,556+139.9% | $145,897+155.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 10.52% | 61.31%-50.8pp | 64.84%-54.3pp | 552.29%-541.8pp |
| Employer contribution / active EE | $7,356 | $5,315+38.4% | $4,675+57.3% | $4,663+57.8% |
| Participant deferral / active EE | $10,449 | $6,467+61.6% | $5,631+85.6% | $6,689+56.2% |
| Admin fee / account holder | $7,855 | $19,275-59.2% | $15,885-50.6% | $13,390-41.3% |