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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 | $343,351 | $148,629+131.0% | $135,982+152.5% | $139,487+146.2% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 18.75% | 79.33%-60.6pp | 68.32%-49.6pp | 373.84%-355.1pp |
| Employer contribution / active EE | $12,130 | $5,247+131.2% | $4,859+149.6% | $4,755+155.1% |
| Participant deferral / active EE | $9,104 | $8,102+12.4% | $7,760+17.3% | $6,713+35.6% |
| Admin fee / account holder | $22,425 | $12,406+80.7% | $10,767+108.3% | $11,407+96.6% |