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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 | $422,228 | $165,381+155.3% | $149,730+182.0% | $158,966+165.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 8.94% | 348.29%-339.4pp | 276.70%-267.8pp | 302.95%-294.0pp |
| Employer contribution / active EE | $8,802 | $5,104+72.4% | $4,645+89.5% | $4,762+84.8% |
| Participant deferral / active EE | $12,235 | $7,182+70.3% | $6,843+78.8% | $5,983+104.5% |
| Admin fee / account holder | $24,754 | $10,809+129.0% | $9,310+165.9% | $11,250+120.0% |