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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 | $362,898 | $72,071+403.5% | $68,368+430.8% | $137,256+164.4% |
| Participation rate | 100.0% | 76.2%+23.8pp | 73.8%+26.2pp | 80.0%+20.0pp |
| Annual return | 16.75% | 353.14%-336.4pp | 292.57%-275.8pp | 220.34%-203.6pp |
| Employer contribution / active EE | $8,879 | $2,788+218.5% | $2,649+235.2% | $4,156+113.6% |
| Participant deferral / active EE | $6,453 | $4,410+46.3% | $4,123+56.5% | $6,407+0.7% |
| Admin fee / account holder | $5,841 | $5,336+9.5% | $5,150+13.4% | $12,270-52.4% |