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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 | $429,966 | $148,629+189.3% | $135,982+216.2% | $139,487+208.2% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 25.41% | 79.33%-53.9pp | 68.32%-42.9pp | 373.84%-348.4pp |
| Employer contribution / active EE | $9,052 | $5,247+72.5% | $4,859+86.3% | $4,755+90.4% |
| Participant deferral / active EE | $25,200 | $8,102+211.0% | $7,760+224.7% | $6,713+275.4% |
| Admin fee / account holder | $1,768 | $12,406-85.7% | $10,767-83.6% | $11,407-84.5% |