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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 | $359,420 | $176,786+103.3% | $146,643+145.1% | $167,536+114.5% |
| Participation rate | 100.0% | 83.6%+16.4pp | 80.1%+19.9pp | 82.1%+17.9pp |
| Annual return | 17.12% | 24.04%-6.9pp | 22.75%-5.6pp | 478.82%-461.7pp |
| Employer contribution / active EE | $9,782 | $5,161+89.5% | $4,137+136.5% | $4,839+102.1% |
| Participant deferral / active EE | $11,702 | $6,440+81.7% | $5,506+112.5% | $6,342+84.5% |
| Admin fee / account holder | $649 | $13,262-95.1% | $10,280-93.7% | $12,315-94.7% |