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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 | $279,041 | $196,972+41.7% | $182,262+53.1% | $198,609+40.5% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 19.93% | 158.27%-138.3pp | 140.60%-120.7pp | 202.70%-182.8pp |
| Employer contribution / active EE | $24,929 | $5,364+364.8% | $5,046+394.1% | $5,055+393.1% |
| Participant deferral / active EE | $14,505 | $8,643+67.8% | $8,276+75.2% | $6,977+107.9% |
| Admin fee / account holder | $1,069 | $18,429-94.2% | $16,712-93.6% | $19,030-94.4% |