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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 | $250,307 | $196,972+27.1% | $182,262+37.3% | $198,609+26.0% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 13.32% | 158.27%-145.0pp | 140.60%-127.3pp | 202.70%-189.4pp |
| Employer contribution / active EE | $8,078 | $5,364+50.6% | $5,046+60.1% | $5,055+59.8% |
| Participant deferral / active EE | $11,443 | $8,643+32.4% | $8,276+38.3% | $6,977+64.0% |
| Admin fee / account holder | $13,611 | $18,429-26.1% | $16,712-18.6% | $19,030-28.5% |