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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 | $326,961 | $148,629+120.0% | $135,982+140.4% | $139,487+134.4% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 18.54% | 79.33%-60.8pp | 68.32%-49.8pp | 373.84%-355.3pp |
| Employer contribution / active EE | $19,074 | $5,247+263.6% | $4,859+292.5% | $4,755+301.2% |
| Participant deferral / active EE | $19,965 | $8,102+146.4% | $7,760+157.3% | $6,713+197.4% |
| Admin fee / account holder | $7,007 | $12,406-43.5% | $10,767-34.9% | $11,407-38.6% |