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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 | $276,680 | $183,516+50.8% | $155,534+77.9% | $145,884+89.7% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 11.54% | 61.43%-49.9pp | 64.92%-53.4pp | 551.85%-540.3pp |
| Employer contribution / active EE | $28,187 | $5,315+430.4% | $4,675+503.0% | $4,662+504.6% |
| Participant deferral / active EE | $18,988 | $6,467+193.6% | $5,630+237.2% | $6,690+183.8% |
| Admin fee / account holder | $11,626 | $19,293-39.7% | $15,900-26.9% | $13,392-13.2% |