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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 | $346,807 | $197,637+75.5% | $177,848+95.0% | $158,982+118.1% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.7%+12.3pp | 82.0%+18.0pp |
| Annual return | 17.11% | 58.77%-41.7pp | 48.33%-31.2pp | 302.99%-285.9pp |
| Employer contribution / active EE | $16,065 | $6,698+139.8% | $5,919+171.4% | $4,763+237.3% |
| Participant deferral / active EE | $12,993 | $8,405+54.6% | $7,714+68.4% | $5,983+117.1% |
| Admin fee / account holder | $9,782 | $15,406-36.5% | $12,431-21.3% | $11,252-13.1% |