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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 | $255,854 | $185,312+38.1% | $161,489+58.4% | $154,746+65.3% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 13.03% | 103.84%-90.8pp | 89.72%-76.7pp | 172.34%-159.3pp |
| Employer contribution / active EE | $19,482 | $4,769+308.5% | $4,268+356.4% | $4,379+344.9% |
| Participant deferral / active EE | $7,904 | $6,350+24.5% | $5,630+40.4% | $6,730+17.4% |
| Admin fee / account holder | $2,571 | $18,654-86.2% | $16,006-83.9% | $14,365-82.1% |