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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 | $299,602 | $148,623+101.6% | $135,974+120.3% | $139,466+114.8% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 16.79% | 79.30%-62.5pp | 68.30%-51.5pp | 373.66%-356.9pp |
| Employer contribution / active EE | $8,035 | $5,246+53.1% | $4,859+65.4% | $4,754+69.0% |
| Participant deferral / active EE | $13,357 | $8,103+64.8% | $7,760+72.1% | $6,712+99.0% |
| Admin fee / account holder | $3,516 | $12,406-71.7% | $10,767-67.3% | $11,409-69.2% |