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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 | $282,281 | $217,427+29.8% | $185,837+51.9% | $167,518+68.5% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 11.93% | 148.39%-136.5pp | 122.08%-110.1pp | 478.71%-466.8pp |
| Employer contribution / active EE | $12,551 | $5,874+113.7% | $5,168+142.9% | $4,838+159.4% |
| Participant deferral / active EE | $12,207 | $6,357+92.0% | $5,568+119.2% | $6,342+92.5% |
| Admin fee / account holder | $7,981 | $19,816-59.7% | $16,241-50.9% | $12,312-35.2% |