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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 | $370,252 | $165,399+123.9% | $149,745+147.3% | $158,982+132.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 14.75% | 348.34%-333.6pp | 276.72%-262.0pp | 302.99%-288.2pp |
| Employer contribution / active EE | $16,667 | $5,105+226.5% | $4,646+258.8% | $4,763+249.9% |
| Participant deferral / active EE | $20,574 | $7,183+186.4% | $6,843+200.7% | $5,983+243.8% |
| Admin fee / account holder | $10,412 | $10,811-3.7% | $9,312+11.8% | $11,252-7.5% |