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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 | $388,001 | $201,344+92.7% | $184,243+110.6% | $145,877+166.0% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 15.10% | 29.01%-13.9pp | 28.82%-13.7pp | 551.28%-536.2pp |
| Employer contribution / active EE | $19,752 | $7,022+181.3% | $6,427+207.3% | $4,663+323.6% |
| Participant deferral / active EE | $15,496 | $9,807+58.0% | $9,132+69.7% | $6,691+131.6% |
| Admin fee / account holder | $627 | $16,382-96.2% | $13,914-95.5% | $13,402-95.3% |