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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 | $306,250 | $162,821+88.1% | $133,978+128.6% | $158,982+92.6% |
| Participation rate | 100.0% | 83.2%+16.8pp | 79.8%+20.2pp | 82.0%+18.0pp |
| Annual return | 31.18% | 41.95%-10.8pp | 45.10%-13.9pp | 302.99%-271.8pp |
| Employer contribution / active EE | $6,604 | $4,976+32.7% | $3,919+68.5% | $4,763+38.7% |
| Participant deferral / active EE | $11,038 | $5,910+86.8% | $5,047+118.7% | $5,983+84.5% |
| Admin fee / account holder | $19,367 | $11,742+64.9% | $8,930+116.9% | $11,252+72.1% |