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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 | $439,662 | $185,905+136.5% | $170,057+158.5% | $139,487+215.2% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 16.09% | 60.56%-44.5pp | 53.42%-37.3pp | 373.84%-357.8pp |
| Employer contribution / active EE | $5,946 | $7,597-21.7% | $6,790-12.4% | $4,755+25.0% |
| Participant deferral / active EE | $16,801 | $11,627+44.5% | $10,411+61.4% | $6,713+150.3% |
| Admin fee / account holder | $30,409 | $15,397+97.5% | $12,826+137.1% | $11,407+166.6% |