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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 | $405,120 | $183,539+120.7% | $155,556+160.4% | $145,897+177.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 9.23% | 61.31%-52.1pp | 64.84%-55.6pp | 552.29%-543.1pp |
| Employer contribution / active EE | $17,833 | $5,315+235.5% | $4,675+281.4% | $4,663+282.5% |
| Participant deferral / active EE | $5,750 | $6,467-11.1% | $5,631+2.1% | $6,689-14.0% |
| Admin fee / account holder | $14,882 | $19,275-22.8% | $15,885-6.3% | $13,390+11.1% |