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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 | $319,422 | $162,136+97.0% | $152,301+109.7% | $154,746+106.4% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 22.24% | 91.02%-68.8pp | 80.50%-58.3pp | 172.34%-150.1pp |
| Employer contribution / active EE | $10,748 | $4,890+119.8% | $4,624+132.4% | $4,379+145.4% |
| Participant deferral / active EE | $13,156 | $8,341+57.7% | $8,004+64.4% | $6,730+95.5% |
| Admin fee / account holder | $3,304 | $15,759-79.0% | $14,398-77.0% | $14,365-77.0% |