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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 | $334,230 | $148,623+124.9% | $135,974+145.8% | $139,466+139.6% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 17.73% | 79.30%-61.6pp | 68.30%-50.6pp | 373.66%-355.9pp |
| Employer contribution / active EE | $6,122 | $5,246+16.7% | $4,859+26.0% | $4,754+28.8% |
| Participant deferral / active EE | $20,472 | $8,103+152.7% | $7,760+163.8% | $6,712+205.0% |
| Admin fee / account holder | $1,682 | $12,406-86.4% | $10,767-84.4% | $11,409-85.3% |