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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 | $295,625 | $129,737+127.9% | $119,126+148.2% | $154,746+91.0% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 18.32% | 379.08%-360.8pp | 282.11%-263.8pp | 172.34%-154.0pp |
| Employer contribution / active EE | $25,738 | $4,375+488.3% | $4,034+538.1% | $4,379+487.7% |
| Participant deferral / active EE | $15,165 | $5,842+159.6% | $5,318+185.2% | $6,730+125.3% |
| Admin fee / account holder | $1,090 | $11,961-90.9% | $10,693-89.8% | $14,365-92.4% |