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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 | $252,997 | $227,399+11.3% | $189,758+33.3% | $198,609+27.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 13.45% | 61.03%-47.6pp | 52.62%-39.2pp | 202.70%-189.2pp |
| Employer contribution / active EE | $8,305 | $5,526+50.3% | $4,767+74.2% | $5,055+64.3% |
| Participant deferral / active EE | $7,207 | $6,837+5.4% | $5,856+23.1% | $6,977+3.3% |
| Admin fee / account holder | $2,050 | $25,162-91.9% | $20,388-89.9% | $19,030-89.2% |