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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 | $311,805 | $162,529+91.8% | $130,788+138.4% | $154,746+101.5% |
| Participation rate | 100.0% | 75.9%+24.1pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 17.70% | 510.48%-492.8pp | 386.44%-368.7pp | 172.34%-154.6pp |
| Employer contribution / active EE | $6,408 | $4,447+44.1% | $3,558+80.1% | $4,379+46.3% |
| Participant deferral / active EE | $15,203 | $4,808+216.2% | $4,137+267.5% | $6,730+125.9% |
| Admin fee / account holder | $811 | $7,669-89.4% | $6,673-87.8% | $14,365-94.4% |