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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 | $265,335 | $107,341+147.2% | $92,897+185.6% | $152,870+73.6% |
| Participation rate | 100.0% | 79.8%+20.2pp | 76.0%+24.0pp | 82.4%+17.6pp |
| Annual return | 28.23% | 145.59%-117.4pp | 109.42%-81.2pp | 345.34%-317.1pp |
| Employer contribution / active EE | $21,266 | $4,221+403.8% | $3,653+482.2% | $4,763+346.5% |
| Participant deferral / active EE | $9,231 | $4,847+90.4% | $4,238+117.8% | $5,850+57.8% |
| Admin fee / account holder | $5,839 | $7,080-17.5% | $5,794+0.8% | $11,597-49.7% |