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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 | $277,622 | $165,399+67.8% | $149,745+85.4% | $158,982+74.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 22.17% | 348.34%-326.2pp | 276.72%-254.6pp | 302.99%-280.8pp |
| Employer contribution / active EE | $9,867 | $5,105+93.3% | $4,646+112.4% | $4,763+107.2% |
| Participant deferral / active EE | $12,075 | $7,183+68.1% | $6,843+76.5% | $5,983+101.8% |
| Admin fee / account holder | $15,969 | $10,811+47.7% | $9,312+71.5% | $11,252+41.9% |