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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 | $261,105 | $101,618+156.9% | $93,063+180.6% | $137,256+90.2% |
| Participation rate | 100.0% | 74.9%+25.1pp | 72.1%+27.9pp | 80.0%+20.0pp |
| Annual return | 15.69% | 223.95%-208.3pp | 34.15%-18.5pp | 220.34%-204.7pp |
| Employer contribution / active EE | $11,488 | $2,707+324.4% | $2,476+364.0% | $4,156+176.4% |
| Participant deferral / active EE | $12,983 | $4,279+203.4% | $3,958+228.0% | $6,407+102.6% |
| Admin fee / account holder | $9,467 | $6,198+52.7% | $6,033+56.9% | $12,270-22.8% |