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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 | $356,005 | $115,814+207.4% | $101,275+251.5% | $158,982+123.9% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 20.64% | 56.16%-35.5pp | 46.48%-25.8pp | 302.99%-282.4pp |
| Employer contribution / active EE | $6,485 | $4,176+55.3% | $3,660+77.2% | $4,763+36.2% |
| Participant deferral / active EE | $5,034 | $4,958+1.5% | $4,371+15.2% | $5,983-15.9% |
| Admin fee / account holder | $657 | $7,249-90.9% | $5,948-89.0% | $11,252-94.2% |