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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 | $227,291+74.4% | $214,702+84.6% | $155,188+155.4% |
| Participation rate | 100.0% | 88.0%+12.0pp | 87.5%+12.5pp | 80.8%+19.2pp |
| Annual return | 13.94% | 60.08%-46.1pp | 54.55%-40.6pp | 148.84%-134.9pp |
| Employer contribution / active EE | $9,925 | $6,772+46.6% | $6,461+53.6% | $4,248+133.7% |
| Participant deferral / active EE | $18,649 | $9,582+94.6% | $9,147+103.9% | $6,531+185.5% |
| Admin fee / account holder | $1,201 | $20,413-94.1% | $19,830-93.9% | $14,480-91.7% |