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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 | $353,416 | $148,623+137.8% | $135,974+159.9% | $139,466+153.4% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 13.51% | 79.30%-65.8pp | 68.30%-54.8pp | 373.66%-360.1pp |
| Employer contribution / active EE | $7,812 | $5,246+48.9% | $4,859+60.8% | $4,754+64.3% |
| Participant deferral / active EE | $13,610 | $8,103+68.0% | $7,760+75.4% | $6,712+102.8% |
| Admin fee / account holder | $3,733 | $12,406-69.9% | $10,767-65.3% | $11,409-67.3% |