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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 | $289,163 | $148,582+94.6% | $135,942+112.7% | $139,456+107.4% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 15.88% | 79.26%-63.4pp | 68.28%-52.4pp | 373.45%-357.6pp |
| Employer contribution / active EE | $10,558 | $5,245+101.3% | $4,858+117.4% | $4,753+122.2% |
| Participant deferral / active EE | $11,593 | $8,101+43.1% | $7,759+49.4% | $6,711+72.7% |
| Admin fee / account holder | $10,649 | $12,402-14.1% | $10,764-1.1% | $11,407-6.6% |