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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 | $396,487 | $183,592+116.0% | $155,574+154.9% | $145,877+171.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 15.91% | 61.37%-45.5pp | 64.87%-49.0pp | 551.28%-535.4pp |
| Employer contribution / active EE | $12,075 | $5,317+127.1% | $4,676+158.2% | $4,663+159.0% |
| Participant deferral / active EE | $7,549 | $6,466+16.8% | $5,629+34.1% | $6,691+12.8% |
| Admin fee / account holder | $3,270 | $19,316-83.1% | $15,914-79.5% | $13,402-75.6% |