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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 | $274,660 | $129,737+111.7% | $119,126+130.6% | $154,746+77.5% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 17.76% | 379.08%-361.3pp | 282.11%-264.3pp | 172.34%-154.6pp |
| Employer contribution / active EE | $11,949 | $4,375+173.1% | $4,034+196.2% | $4,379+172.9% |
| Participant deferral / active EE | $8,015 | $5,842+37.2% | $5,318+50.7% | $6,730+19.1% |
| Admin fee / account holder | $1,245 | $11,961-89.6% | $10,693-88.4% | $14,365-91.3% |