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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 | $297,286 | $185,883+59.9% | $170,043+74.8% | $139,466+113.2% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 15.61% | 60.54%-44.9pp | 53.40%-37.8pp | 373.66%-358.0pp |
| Employer contribution / active EE | $19,728 | $7,596+159.7% | $6,790+190.6% | $4,754+315.0% |
| Participant deferral / active EE | $41,400 | $11,626+256.1% | $10,410+297.7% | $6,712+516.8% |
| Admin fee / account holder | $410 | $15,393-97.3% | $12,824-96.8% | $11,409-96.4% |