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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 | $154,228+131.9% | $145,433+145.9% | $137,256+160.6% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 14.27% | 74.59%-60.3pp | 66.58%-52.3pp | 220.34%-206.1pp |
| Employer contribution / active EE | $12,554 | $4,804+161.3% | $4,554+175.6% | $4,156+202.1% |
| Participant deferral / active EE | $14,322 | $8,216+74.3% | $7,897+81.4% | $6,407+123.5% |
| Admin fee / account holder | $62,000 | $14,344+332.2% | $13,129+372.2% | $12,270+405.3% |