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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 | $266,515 | $165,399+61.1% | $149,745+78.0% | $158,982+67.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 11.72% | 348.34%-336.6pp | 276.72%-265.0pp | 302.99%-291.3pp |
| Employer contribution / active EE | $4,033 | $5,105-21.0% | $4,646-13.2% | $4,763-15.3% |
| Participant deferral / active EE | $15,042 | $7,183+109.4% | $6,843+119.8% | $5,983+151.4% |
| Admin fee / account holder | $667 | $10,811-93.8% | $9,312-92.8% | $11,252-94.1% |