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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 | $183,592+157.1% | $155,574+203.4% | $145,877+223.5% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 11.60% | 61.37%-49.8pp | 64.87%-53.3pp | 551.28%-539.7pp |
| Employer contribution / active EE | $11,810 | $5,317+122.1% | $4,676+152.6% | $4,663+153.3% |
| Participant deferral / active EE | $14,526 | $6,466+124.7% | $5,629+158.0% | $6,691+117.1% |
| Admin fee / account holder | $3,302 | $19,316-82.9% | $15,914-79.3% | $13,402-75.4% |