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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 | $331,697 | $165,399+100.5% | $149,745+121.5% | $158,982+108.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 17.77% | 348.34%-330.6pp | 276.72%-258.9pp | 302.99%-285.2pp |
| Employer contribution / active EE | $10,769 | $5,105+111.0% | $4,646+131.8% | $4,763+126.1% |
| Participant deferral / active EE | $8,405 | $7,183+17.0% | $6,843+22.8% | $5,983+40.5% |
| Admin fee / account holder | $3,447 | $10,811-68.1% | $9,312-63.0% | $11,252-69.4% |