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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 | $288,466 | $157,296+83.4% | $141,191+104.3% | $152,897+88.7% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 17.42% | 64.34%-46.9pp | 71.41%-54.0pp | 345.43%-328.0pp |
| Employer contribution / active EE | $10,874 | $5,262+106.6% | $4,736+129.6% | $4,764+128.3% |
| Participant deferral / active EE | $8,275 | $7,111+16.4% | $6,710+23.3% | $5,851+41.4% |
| Admin fee / account holder | $417 | $12,125-96.6% | $10,264-95.9% | $11,599-96.4% |