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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 | $125,778+107.6% | $114,563+127.9% | $154,746+68.7% |
| Participation rate | 100.0% | 75.2%+24.8pp | 72.9%+27.1pp | 80.7%+19.3pp |
| Annual return | 15.69% | 295.14%-279.4pp | 241.09%-225.4pp | 172.34%-156.6pp |
| Employer contribution / active EE | $11,488 | $2,806+309.4% | $2,592+343.2% | $4,379+162.3% |
| Participant deferral / active EE | $12,983 | $4,445+192.1% | $4,142+213.4% | $6,730+92.9% |
| Admin fee / account holder | $9,467 | $8,190+15.6% | $7,623+24.2% | $14,365-34.1% |