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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 | $344,684 | $148,623+131.9% | $135,974+153.5% | $139,466+147.1% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 14.33% | 79.30%-65.0pp | 68.30%-54.0pp | 373.66%-359.3pp |
| Employer contribution / active EE | $13,969 | $5,246+166.3% | $4,859+187.5% | $4,754+193.8% |
| Participant deferral / active EE | $15,337 | $8,103+89.3% | $7,760+97.6% | $6,712+128.5% |
| Admin fee / account holder | $1,458 | $12,406-88.2% | $10,767-86.5% | $11,409-87.2% |