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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 | $378,069 | $165,399+128.6% | $149,745+152.5% | $158,982+137.8% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 14.78% | 348.34%-333.6pp | 276.72%-261.9pp | 302.99%-288.2pp |
| Employer contribution / active EE | $11,386 | $5,105+123.1% | $4,646+145.1% | $4,763+139.1% |
| Participant deferral / active EE | $13,544 | $7,183+88.6% | $6,843+97.9% | $5,983+126.4% |
| Admin fee / account holder | $9,990 | $10,811-7.6% | $9,312+7.3% | $11,252-11.2% |