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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 | $255,098 | $183,516+39.0% | $155,534+64.0% | $145,884+74.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 8.83% | 61.43%-52.6pp | 64.92%-56.1pp | 551.85%-543.0pp |
| Employer contribution / active EE | $10,071 | $5,315+89.5% | $4,675+115.4% | $4,662+116.0% |
| Participant deferral / active EE | $12,100 | $6,467+87.1% | $5,630+114.9% | $6,690+80.9% |
| Admin fee / account holder | $2,686 | $19,293-86.1% | $15,900-83.1% | $13,392-79.9% |