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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 | $134,817+161.9% | $123,973+184.9% | $155,188+127.6% |
| Participation rate | 100.0% | 79.4%+20.6pp | 76.7%+23.3pp | 80.8%+19.2pp |
| Annual return | 14.99% | 515.49%-500.5pp | 388.13%-373.1pp | 148.84%-133.8pp |
| Employer contribution / active EE | $14,752 | $4,425+233.4% | $4,126+257.6% | $4,248+247.3% |
| Participant deferral / active EE | $9,577 | $5,706+67.8% | $5,247+82.5% | $6,531+46.6% |
| Admin fee / account holder | $6,267 | $13,245-52.7% | $11,799-46.9% | $14,480-56.7% |