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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 | $302,622 | $108,942+177.8% | $100,415+201.4% | $145,897+107.4% |
| Participation rate | 100.0% | 83.0%+17.0pp | 81.5%+18.5pp | 80.3%+19.7pp |
| Annual return | 11.59% | 58.27%-46.7pp | 49.47%-37.9pp | 552.29%-540.7pp |
| Employer contribution / active EE | $14,525 | $4,422+228.5% | $3,943+268.4% | $4,663+211.5% |
| Participant deferral / active EE | $5,994 | $8,461-29.2% | $8,091-25.9% | $6,689-10.4% |
| Admin fee / account holder | $3,206 | $9,702-67.0% | $7,906-59.4% | $13,390-76.1% |