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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 | $261,219 | $165,381+57.9% | $149,730+74.5% | $158,966+64.3% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 23.82% | 348.29%-324.5pp | 276.70%-252.9pp | 302.95%-279.1pp |
| Employer contribution / active EE | $9,997 | $5,104+95.9% | $4,645+115.2% | $4,762+109.9% |
| Participant deferral / active EE | $13,771 | $7,182+91.7% | $6,843+101.3% | $5,983+130.2% |
| Admin fee / account holder | $5,707 | $10,809-47.2% | $9,310-38.7% | $11,250-49.3% |