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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 | $276,222 | $183,592+50.5% | $155,567+77.6% | $145,959+89.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 10.08% | 61.24%-51.2pp | 64.74%-54.7pp | 561.95%-551.9pp |
| Employer contribution / active EE | $17,623 | $5,315+231.6% | $4,674+277.0% | $4,661+278.1% |
| Participant deferral / active EE | $9,776 | $6,464+51.2% | $5,628+73.7% | $6,689+46.2% |
| Admin fee / account holder | $3,907 | $19,318-79.8% | $15,916-75.5% | $13,398-70.8% |