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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 | $388,162 | $156,398+148.2% | $147,318+163.5% | $138,895+179.5% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 79.9%+20.1pp |
| Annual return | 13.23% | 78.75%-65.5pp | 70.43%-57.2pp | 145.39%-132.2pp |
| Employer contribution / active EE | $4,827 | $4,853-0.5% | $4,593+5.1% | $4,194+15.1% |
| Participant deferral / active EE | $10,123 | $8,237+22.9% | $7,906+28.0% | $6,396+58.3% |
| Admin fee / account holder | $50,750 | $14,976+238.9% | $13,708+270.2% | $12,562+304.0% |