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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 | $263,938 | $103,038+156.2% | $90,324+192.2% | $152,909+72.6% |
| Participation rate | 100.0% | 75.9%+24.1pp | 73.3%+26.7pp | 82.5%+17.5pp |
| Annual return | 12.57% | 95.25%-82.7pp | 78.15%-65.6pp | 345.46%-332.9pp |
| Employer contribution / active EE | $17,943 | $3,141+471.3% | $2,856+528.3% | $4,764+276.7% |
| Participant deferral / active EE | $12,900 | $4,282+201.3% | $3,885+232.0% | $5,851+120.5% |
| Admin fee / account holder | $1,458 | $6,177-76.4% | $5,356-72.8% | $11,601-87.4% |