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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 | $539,195 | $197,819+172.6% | $155,789+246.1% | $125,389+330.0% |
| Participation rate | 100.0% | 82.1%+17.9pp | 76.1%+23.9pp | 83.2%+16.8pp |
| Annual return | 2.67% | 86.73%-84.1pp | 71.54%-68.9pp | 282.24%-279.6pp |
| Employer contribution / active EE | $10,194 | $4,850+110.2% | $3,839+165.6% | $4,866+109.5% |
| Participant deferral / active EE | $13,800 | $5,631+145.1% | $4,798+187.6% | $5,352+157.9% |
| Admin fee / account holder | $355 | $9,544-96.3% | $7,477-95.3% | $9,541-96.3% |