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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 | $262,973 | $201,344+30.6% | $184,243+42.7% | $145,877+80.3% |
| Participation rate | 100.0% | 87.5%+12.5pp | 86.8%+13.2pp | 80.3%+19.7pp |
| Annual return | 15.39% | 29.01%-13.6pp | 28.82%-13.4pp | 551.28%-535.9pp |
| Employer contribution / active EE | $15,709 | $7,022+123.7% | $6,427+144.4% | $4,663+236.9% |
| Participant deferral / active EE | $23,966 | $9,807+144.4% | $9,132+162.4% | $6,691+258.2% |
| Admin fee / account holder | $11,076 | $16,382-32.4% | $13,914-20.4% | $13,402-17.4% |