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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 | $323,654 | $148,629+117.8% | $135,982+138.0% | $139,487+132.0% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 12.85% | 79.33%-66.5pp | 68.32%-55.5pp | 373.84%-361.0pp |
| Employer contribution / active EE | $17,918 | $5,247+241.5% | $4,859+268.8% | $4,755+276.9% |
| Participant deferral / active EE | $14,860 | $8,102+83.4% | $7,760+91.5% | $6,713+121.4% |
| Admin fee / account holder | $1,499 | $12,406-87.9% | $10,767-86.1% | $11,407-86.9% |