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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 | $426,224 | $209,422+103.5% | $178,503+138.8% | $158,982+168.1% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 18.12% | 188.81%-170.7pp | 151.12%-133.0pp | 302.99%-284.9pp |
| Employer contribution / active EE | $11,249 | $5,707+97.1% | $5,011+124.5% | $4,763+136.2% |
| Participant deferral / active EE | $8,621 | $5,955+44.8% | $5,202+65.7% | $5,983+44.1% |
| Admin fee / account holder | $6,406 | $17,079-62.5% | $13,987-54.2% | $11,252-43.1% |