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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 | $359,623 | $148,623+142.0% | $135,974+164.5% | $139,466+157.9% |
| Participation rate | 80.0% | 83.9%-3.9pp | 81.9%-1.9pp | 80.3%-0.3pp |
| Annual return | 12.61% | 79.30%-66.7pp | 68.30%-55.7pp | 373.66%-361.1pp |
| Employer contribution / active EE | $10,000 | $5,246+90.6% | $4,859+105.8% | $4,754+110.4% |
| Participant deferral / active EE | $26,172 | $8,103+223.0% | $7,760+237.3% | $6,712+289.9% |
| Admin fee / account holder | $116,705 | $12,406+840.7% | $10,767+984.0% | $11,409+922.9% |