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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 | $375,711 | $148,623+152.8% | $135,974+176.3% | $139,466+169.4% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 14.60% | 79.30%-64.7pp | 68.30%-53.7pp | 373.66%-359.1pp |
| Employer contribution / active EE | $7,042 | $5,246+34.2% | $4,859+44.9% | $4,754+48.1% |
| Participant deferral / active EE | $8,841 | $8,103+9.1% | $7,760+13.9% | $6,712+31.7% |
| Admin fee / account holder | $2,872 | $12,406-76.9% | $10,767-73.3% | $11,409-74.8% |