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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 | $380,449 | $129,737+193.2% | $119,126+219.4% | $154,746+145.9% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 15.19% | 379.08%-363.9pp | 282.11%-266.9pp | 172.34%-157.1pp |
| Employer contribution / active EE | $15,955 | $4,375+264.7% | $4,034+295.5% | $4,379+264.3% |
| Participant deferral / active EE | $18,167 | $5,842+211.0% | $5,318+241.6% | $6,730+169.9% |
| Admin fee / account holder | $2,397 | $11,961-80.0% | $10,693-77.6% | $14,365-83.3% |