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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 | $262,875 | $148,629+76.9% | $135,982+93.3% | $139,487+88.5% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 20.68% | 79.33%-58.6pp | 68.32%-47.6pp | 373.84%-353.2pp |
| Employer contribution / active EE | $11,930 | $5,247+127.4% | $4,859+145.5% | $4,755+150.9% |
| Participant deferral / active EE | $9,149 | $8,102+12.9% | $7,760+17.9% | $6,713+36.3% |
| Admin fee / account holder | $4,139 | $12,406-66.6% | $10,767-61.6% | $11,407-63.7% |