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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 | $390,510 | $129,737+201.0% | $119,126+227.8% | $154,746+152.4% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 17.09% | 379.08%-362.0pp | 282.11%-265.0pp | 172.34%-155.2pp |
| Employer contribution / active EE | $11,587 | $4,375+164.8% | $4,034+187.3% | $4,379+164.6% |
| Participant deferral / active EE | $16,905 | $5,842+189.4% | $5,318+217.9% | $6,730+151.2% |
| Admin fee / account holder | $1,037 | $11,961-91.3% | $10,693-90.3% | $14,365-92.8% |