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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 | $126,113+107.0% | $116,096+124.9% | $155,188+68.3% |
| Participation rate | 100.0% | 75.1%+24.9pp | 73.3%+26.7pp | 80.8%+19.2pp |
| Annual return | 15.69% | 391.72%-376.0pp | 326.25%-310.6pp | 148.84%-133.1pp |
| Employer contribution / active EE | $11,488 | $2,672+330.0% | $2,503+358.9% | $4,248+170.5% |
| Participant deferral / active EE | $12,983 | $4,162+211.9% | $3,952+228.5% | $6,531+98.8% |
| Admin fee / account holder | $9,467 | $8,045+17.7% | $7,704+22.9% | $14,480-34.6% |