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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 | $268,504 | $185,883+44.4% | $170,043+57.9% | $139,466+92.5% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 18.93% | 60.54%-41.6pp | 53.40%-34.5pp | 373.66%-354.7pp |
| Employer contribution / active EE | $17,390 | $7,596+128.9% | $6,790+156.1% | $4,754+265.8% |
| Participant deferral / active EE | $16,168 | $11,626+39.1% | $10,410+55.3% | $6,712+140.9% |
| Admin fee / account holder | $50,945 | $15,393+231.0% | $12,824+297.3% | $11,409+346.5% |