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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 | $261,409 | $209,422+24.8% | $178,503+46.4% | $158,982+64.4% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 27.56% | 188.81%-161.2pp | 151.12%-123.6pp | 302.99%-275.4pp |
| Employer contribution / active EE | $10,391 | $5,707+82.1% | $5,011+107.4% | $4,763+118.2% |
| Participant deferral / active EE | $7,805 | $5,955+31.1% | $5,202+50.0% | $5,983+30.4% |
| Admin fee / account holder | $972 | $17,079-94.3% | $13,987-93.1% | $11,252-91.4% |