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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 | $261,925 | $166,242+57.6% | $165,071+58.7% | $145,884+79.5% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 13.88% | 100.44%-86.6pp | 70.17%-56.3pp | 551.85%-538.0pp |
| Employer contribution / active EE | $5,527 | $5,283+4.6% | $4,347+27.1% | $4,662+18.6% |
| Participant deferral / active EE | $5,324 | $6,964-23.6% | $6,035-11.8% | $6,690-20.4% |
| Admin fee / account holder | $2,291 | $16,658-86.2% | $12,695-82.0% | $13,392-82.9% |