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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 | $448,245 | $175,259+155.8% | $149,723+199.4% | $139,487+221.4% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 14.88% | 166.82%-151.9pp | 134.50%-119.6pp | 373.84%-359.0pp |
| Employer contribution / active EE | $9,222 | $5,478+68.3% | $4,821+91.3% | $4,755+93.9% |
| Participant deferral / active EE | $6,056 | $6,522-7.1% | $5,682+6.6% | $6,713-9.8% |
| Admin fee / account holder | $3,775 | $16,158-76.6% | $13,215-71.4% | $11,407-66.9% |