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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 | $374,571 | $197,637+89.5% | $177,848+110.6% | $158,982+135.6% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 10.87% | 58.77%-47.9pp | 48.33%-37.5pp | 302.99%-292.1pp |
| Employer contribution / active EE | $8,225 | $6,698+22.8% | $5,919+39.0% | $4,763+72.7% |
| Participant deferral / active EE | $16,502 | $8,405+96.3% | $7,714+113.9% | $5,983+175.8% |
| Admin fee / account holder | $688 | $15,406-95.5% | $12,431-94.5% | $11,252-93.9% |