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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 | $289,245 | $155,555+85.9% | $146,866+96.9% | $155,188+86.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 82.5%+17.5pp | 80.8%+19.2pp |
| Annual return | 22.41% | 115.41%-93.0pp | 102.85%-80.4pp | 148.84%-126.4pp |
| Employer contribution / active EE | $20,086 | $4,647+332.3% | $4,425+353.9% | $4,248+372.9% |
| Participant deferral / active EE | $20,247 | $8,044+151.7% | $7,759+160.9% | $6,531+210.0% |
| Admin fee / account holder | $37,070 | $14,755+151.2% | $13,620+172.2% | $14,480+156.0% |