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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 | $260,830 | $227,399+14.7% | $189,758+37.5% | $198,609+31.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 14.52% | 61.03%-46.5pp | 52.62%-38.1pp | 202.70%-188.2pp |
| Employer contribution / active EE | $9,720 | $5,526+75.9% | $4,767+103.9% | $5,055+92.3% |
| Participant deferral / active EE | $6,578 | $6,837-3.8% | $5,856+12.3% | $6,977-5.7% |
| Admin fee / account holder | $2,100 | $25,162-91.7% | $20,388-89.7% | $19,030-89.0% |