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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 | $471,980 | $183,539+157.2% | $155,556+203.4% | $145,897+223.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 11.60% | 61.31%-49.7pp | 64.84%-53.2pp | 552.29%-540.7pp |
| Employer contribution / active EE | $11,810 | $5,315+122.2% | $4,675+152.6% | $4,663+153.3% |
| Participant deferral / active EE | $14,526 | $6,467+124.6% | $5,631+158.0% | $6,689+117.2% |
| Admin fee / account holder | $3,302 | $19,275-82.9% | $15,885-79.2% | $13,390-75.3% |