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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 | $353,147 | $111,535+216.6% | $105,223+235.6% | $137,256+157.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 80.0%+20.0pp |
| Annual return | 14.99% | 237.85%-222.9pp | 180.65%-165.7pp | 220.34%-205.3pp |
| Employer contribution / active EE | $14,752 | $3,939+274.5% | $3,689+299.9% | $4,156+255.0% |
| Participant deferral / active EE | $9,577 | $5,500+74.1% | $5,072+88.8% | $6,407+49.5% |
| Admin fee / account holder | $6,267 | $9,721-35.5% | $8,859-29.3% | $12,270-48.9% |