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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 | $350,544 | $227,566+54.0% | $189,558+84.9% | $167,518+109.3% |
| Participation rate | 75.0% | 82.5%-7.5pp | 78.5%-3.5pp | 82.1%-7.1pp |
| Annual return | 11.73% | 78.43%-66.7pp | 64.19%-52.5pp | 478.71%-467.0pp |
| Employer contribution / active EE | $15,666 | $5,316+194.7% | $4,412+255.1% | $4,838+223.8% |
| Participant deferral / active EE | $13,000 | $7,002+85.7% | $6,174+110.6% | $6,342+105.0% |
| Admin fee / account holder | $1,241 | $11,881-89.6% | $9,809-87.4% | $12,312-89.9% |