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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 | $304,249 | $197,603+54.0% | $177,827+71.1% | $158,950+91.4% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 9.34% | 58.76%-49.4pp | 48.32%-39.0pp | 302.91%-293.6pp |
| Employer contribution / active EE | $13,345 | $6,698+99.2% | $5,918+125.5% | $4,762+180.2% |
| Participant deferral / active EE | $17,792 | $8,404+111.7% | $7,713+130.7% | $5,983+197.4% |
| Admin fee / account holder | $2,103 | $15,402-86.3% | $12,429-83.1% | $11,248-81.3% |