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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 | $272,446 | $114,119+138.7% | $107,187+154.2% | $138,895+96.2% |
| Participation rate | 100.0% | 78.1%+21.9pp | 75.0%+25.0pp | 79.9%+20.1pp |
| Annual return | 16.07% | 273.21%-257.1pp | 204.55%-188.5pp | 145.39%-129.3pp |
| Employer contribution / active EE | $19,146 | $4,059+371.7% | $3,782+406.2% | $4,194+356.5% |
| Participant deferral / active EE | $36,713 | $5,538+562.9% | $5,096+620.4% | $6,396+474.0% |
| Admin fee / account holder | $9,748 | $10,024-2.8% | $9,162+6.4% | $12,562-22.4% |