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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 | $281,433 | $183,539+53.3% | $155,556+80.9% | $145,897+92.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 22.61% | 61.31%-38.7pp | 64.84%-42.2pp | 552.29%-529.7pp |
| Employer contribution / active EE | $6,281 | $5,315+18.2% | $4,675+34.3% | $4,663+34.7% |
| Participant deferral / active EE | $7,814 | $6,467+20.8% | $5,631+38.8% | $6,689+16.8% |
| Admin fee / account holder | $854 | $19,275-95.6% | $15,885-94.6% | $13,390-93.6% |