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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 | $253,454 | $165,381+53.3% | $149,730+69.3% | $158,966+59.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 15.46% | 348.29%-332.8pp | 276.70%-261.2pp | 302.95%-287.5pp |
| Employer contribution / active EE | $15,334 | $5,104+200.4% | $4,645+230.1% | $4,762+222.0% |
| Participant deferral / active EE | $4,905 | $7,182-31.7% | $6,843-28.3% | $5,983-18.0% |
| Admin fee / account holder | $1,010 | $10,809-90.7% | $9,310-89.2% | $11,250-91.0% |