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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 | $271,726 | $165,381+64.3% | $149,730+81.5% | $158,966+70.9% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 17.47% | 348.29%-330.8pp | 276.70%-259.2pp | 302.95%-285.5pp |
| Employer contribution / active EE | $14,902 | $5,104+191.9% | $4,645+220.8% | $4,762+212.9% |
| Participant deferral / active EE | $10,225 | $7,182+42.4% | $6,843+49.4% | $5,983+70.9% |
| Admin fee / account holder | $1,192 | $10,809-89.0% | $9,310-87.2% | $11,250-89.4% |