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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 | $453,216 | $175,259+158.6% | $149,723+202.7% | $139,487+224.9% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 14.21% | 166.82%-152.6pp | 134.50%-120.3pp | 373.84%-359.6pp |
| Employer contribution / active EE | $9,403 | $5,478+71.6% | $4,821+95.0% | $4,755+97.8% |
| Participant deferral / active EE | $10,347 | $6,522+58.7% | $5,682+82.1% | $6,713+54.1% |
| Admin fee / account holder | $3,977 | $16,158-75.4% | $13,215-69.9% | $11,407-65.1% |