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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 | $396,334 | $223,823+77.1% | $211,142+87.7% | $154,746+156.1% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 13.94% | 50.39%-36.5pp | 46.84%-32.9pp | 172.34%-158.4pp |
| Employer contribution / active EE | $9,925 | $6,787+46.2% | $6,442+54.1% | $4,379+126.7% |
| Participant deferral / active EE | $18,649 | $9,750+91.3% | $9,284+100.9% | $6,730+177.1% |
| Admin fee / account holder | $1,201 | $19,707-93.9% | $19,076-93.7% | $14,365-91.6% |