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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 | $264,462 | $227,399+16.3% | $189,758+39.4% | $198,609+33.2% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 17.83% | 61.03%-43.2pp | 52.62%-34.8pp | 202.70%-184.9pp |
| Employer contribution / active EE | $16,742 | $5,526+203.0% | $4,767+251.2% | $5,055+231.2% |
| Participant deferral / active EE | $9,236 | $6,837+35.1% | $5,856+57.7% | $6,977+32.4% |
| Admin fee / account holder | $15,800 | $25,162-37.2% | $20,388-22.5% | $19,030-17.0% |