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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 | $357,664 | $162,136+120.6% | $152,301+134.8% | $154,746+131.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 14.27% | 91.02%-76.7pp | 80.50%-66.2pp | 172.34%-158.1pp |
| Employer contribution / active EE | $12,554 | $4,890+156.7% | $4,624+171.5% | $4,379+186.7% |
| Participant deferral / active EE | $14,322 | $8,341+71.7% | $8,004+78.9% | $6,730+112.8% |
| Admin fee / account holder | $62,000 | $15,759+293.4% | $14,398+330.6% | $14,365+331.6% |