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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 | $301,712 | $166,089+81.7% | $164,928+82.9% | $145,978+106.7% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 12.32% | 100.26%-87.9pp | 70.08%-57.8pp | 550.52%-538.2pp |
| Employer contribution / active EE | $26,583 | $5,276+403.8% | $4,343+512.1% | $4,662+470.2% |
| Participant deferral / active EE | $11,067 | $6,961+59.0% | $6,034+83.4% | $6,690+65.4% |
| Admin fee / account holder | $10,472 | $16,641-37.1% | $12,684-17.4% | $13,400-21.9% |