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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 | $374,787 | $183,516+104.2% | $155,534+141.0% | $145,884+156.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 13.16% | 61.43%-48.3pp | 64.92%-51.8pp | 551.85%-538.7pp |
| Employer contribution / active EE | $11,846 | $5,315+122.9% | $4,675+153.4% | $4,662+154.1% |
| Participant deferral / active EE | $6,792 | $6,467+5.0% | $5,630+20.6% | $6,690+1.5% |
| Admin fee / account holder | $3,487 | $19,293-81.9% | $15,900-78.1% | $13,392-74.0% |