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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 | $338,796 | $183,516+84.6% | $155,534+117.8% | $145,884+132.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 16.02% | 61.43%-45.4pp | 64.92%-48.9pp | 551.85%-535.8pp |
| Employer contribution / active EE | $17,500 | $5,315+229.3% | $4,675+274.4% | $4,662+275.4% |
| Participant deferral / active EE | $26,357 | $6,467+307.6% | $5,630+368.1% | $6,690+294.0% |
| Admin fee / account holder | $2,954 | $19,293-84.7% | $15,900-81.4% | $13,392-77.9% |