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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 | $266,314 | $148,629+79.2% | $135,982+95.8% | $139,487+90.9% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 16.39% | 79.33%-62.9pp | 68.32%-51.9pp | 373.84%-357.5pp |
| Employer contribution / active EE | $10,986 | $5,247+109.4% | $4,859+126.1% | $4,755+131.1% |
| Participant deferral / active EE | $14,530 | $8,102+79.3% | $7,760+87.2% | $6,713+116.5% |
| Admin fee / account holder | $1,718 | $12,406-86.1% | $10,767-84.0% | $11,407-84.9% |