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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 | $315,338 | $148,623+112.2% | $135,974+131.9% | $139,466+126.1% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 27.41% | 79.30%-51.9pp | 68.30%-40.9pp | 373.66%-346.3pp |
| Employer contribution / active EE | $26,743 | $5,246+409.7% | $4,859+450.4% | $4,754+462.5% |
| Participant deferral / active EE | $30,000 | $8,103+270.2% | $7,760+286.6% | $6,712+347.0% |
| Admin fee / account holder | $457 | $12,406-96.3% | $10,767-95.8% | $11,409-96.0% |