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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 | $375,165 | $223,823+67.6% | $211,142+77.7% | $154,746+142.4% |
| Participation rate | 100.0% | 87.9%+12.1pp | 87.3%+12.7pp | 80.7%+19.3pp |
| Annual return | 20.63% | 50.39%-29.8pp | 46.84%-26.2pp | 172.34%-151.7pp |
| Employer contribution / active EE | $12,125 | $6,787+78.7% | $6,442+88.2% | $4,379+176.9% |
| Participant deferral / active EE | $16,192 | $9,750+66.1% | $9,284+74.4% | $6,730+140.6% |
| Admin fee / account holder | $1,254 | $19,707-93.6% | $19,076-93.4% | $14,365-91.3% |