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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 | $304,113 | $108,922+179.2% | $100,398+202.9% | $145,978+108.3% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 13.87% | 58.04%-44.2pp | 49.32%-35.5pp | 550.52%-536.7pp |
| Employer contribution / active EE | $24,029 | $4,426+442.9% | $3,946+509.0% | $4,662+415.4% |
| Participant deferral / active EE | $19,262 | $8,450+128.0% | $8,084+138.3% | $6,690+187.9% |
| Admin fee / account holder | $6,419 | $9,680-33.7% | $7,893-18.7% | $13,400-52.1% |