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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 | $347,829 | $196,972+76.6% | $182,262+90.8% | $198,609+75.1% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 21.72% | 158.27%-136.6pp | 140.60%-118.9pp | 202.70%-181.0pp |
| Employer contribution / active EE | $37,500 | $5,364+599.2% | $5,046+643.2% | $5,055+641.8% |
| Participant deferral / active EE | $22,500 | $8,643+160.3% | $8,276+171.9% | $6,977+222.5% |
| Admin fee / account holder | $492 | $18,429-97.3% | $16,712-97.1% | $19,030-97.4% |