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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 | $358,725 | $183,539+95.4% | $155,556+130.6% | $145,897+145.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 12.34% | 61.31%-49.0pp | 64.84%-52.5pp | 552.29%-540.0pp |
| Employer contribution / active EE | $10,911 | $5,315+105.3% | $4,675+133.4% | $4,663+134.0% |
| Participant deferral / active EE | $4,915 | $6,467-24.0% | $5,631-12.7% | $6,689-26.5% |
| Admin fee / account holder | $5,029 | $19,275-73.9% | $15,885-68.3% | $13,390-62.4% |