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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 | $289,871 | $208,088+39.3% | $186,193+55.7% | $154,746+87.3% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 16.18% | 89.97%-73.8pp | 78.03%-61.9pp | 172.34%-156.2pp |
| Employer contribution / active EE | $22,556 | $4,340+419.7% | $3,918+475.7% | $4,379+415.1% |
| Participant deferral / active EE | $18,054 | $7,078+155.1% | $6,513+177.2% | $6,730+168.2% |
| Admin fee / account holder | $778 | $11,698-93.3% | $11,058-93.0% | $14,365-94.6% |