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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 | $427,247 | $210,698+102.8% | $178,014+140.0% | $145,959+192.7% |
| Participation rate | 100.0% | 80.8%+19.2pp | 77.1%+22.9pp | 80.3%+19.7pp |
| Annual return | 10.17% | 386.27%-376.1pp | 294.80%-284.6pp | 561.95%-551.8pp |
| Employer contribution / active EE | $13,567 | $4,567+197.1% | $3,950+243.5% | $4,661+191.1% |
| Participant deferral / active EE | $15,333 | $6,958+120.4% | $6,276+144.3% | $6,689+129.2% |
| Admin fee / account holder | $3,820 | $12,016-68.2% | $10,362-63.1% | $13,398-71.5% |