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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 | $305,153 | $132,099+131.0% | $115,599+164.0% | $138,895+119.7% |
| Participation rate | 100.0% | 77.9%+22.1pp | 74.3%+25.7pp | 79.9%+20.1pp |
| Annual return | 17.86% | 176.76%-158.9pp | 111.10%-93.2pp | 145.39%-127.5pp |
| Employer contribution / active EE | $6,718 | $3,416+96.6% | $2,955+127.3% | $4,194+60.2% |
| Participant deferral / active EE | $18,405 | $5,617+227.7% | $4,889+276.4% | $6,396+187.7% |
| Admin fee / account holder | $11,513 | $15,650-26.4% | $12,841-10.3% | $12,562-8.4% |