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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 | $114,119+209.5% | $107,187+229.5% | $138,895+154.3% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 14.99% | 273.21%-258.2pp | 204.55%-189.6pp | 145.39%-130.4pp |
| Employer contribution / active EE | $14,752 | $4,059+263.5% | $3,782+290.0% | $4,194+251.7% |
| Participant deferral / active EE | $9,577 | $5,538+72.9% | $5,096+87.9% | $6,396+49.7% |
| Admin fee / account holder | $6,267 | $10,024-37.5% | $9,162-31.6% | $12,562-50.1% |