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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 | $259,735 | $107,941+140.6% | $91,994+182.3% | $152,909+69.9% |
| Participation rate | 100.0% | 81.2%+18.8pp | 78.6%+21.4pp | 82.5%+17.5pp |
| Annual return | 20.76% | 89.28%-68.5pp | 69.04%-48.3pp | 345.46%-324.7pp |
| Employer contribution / active EE | $11,470 | $4,212+172.3% | $3,453+232.2% | $4,764+140.8% |
| Participant deferral / active EE | $7,361 | $6,366+15.6% | $5,924+24.3% | $5,851+25.8% |
| Admin fee / account holder | $2,290 | $10,521-78.2% | $7,744-70.4% | $11,601-80.3% |