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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 | $258,112 | $165,381+56.1% | $149,730+72.4% | $158,966+62.4% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 18.33% | 348.29%-330.0pp | 276.70%-258.4pp | 302.95%-284.6pp |
| Employer contribution / active EE | $25,724 | $5,104+404.0% | $4,645+453.8% | $4,762+440.1% |
| Participant deferral / active EE | $8,539 | $7,182+18.9% | $6,843+24.8% | $5,983+42.7% |
| Admin fee / account holder | $8,752 | $10,809-19.0% | $9,310-6.0% | $11,250-22.2% |