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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 | $300,175 | $165,399+81.5% | $149,745+100.5% | $158,982+88.8% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 17.30% | 348.34%-331.0pp | 276.72%-259.4pp | 302.99%-285.7pp |
| Employer contribution / active EE | $5,020 | $5,105-1.7% | $4,646+8.1% | $4,763+5.4% |
| Participant deferral / active EE | $13,937 | $7,183+94.0% | $6,843+103.7% | $5,983+132.9% |
| Admin fee / account holder | $1,291 | $10,811-88.1% | $9,312-86.1% | $11,252-88.5% |