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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 | $252,839 | $208,088+21.5% | $186,193+35.8% | $154,746+63.4% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 14.71% | 89.97%-75.3pp | 78.03%-63.3pp | 172.34%-157.6pp |
| Employer contribution / active EE | $4,382 | $4,340+1.0% | $3,918+11.8% | $4,379+0.1% |
| Participant deferral / active EE | $20,732 | $7,078+192.9% | $6,513+218.3% | $6,730+208.0% |
| Admin fee / account holder | $75,771 | $11,698+547.7% | $11,058+585.2% | $14,365+427.5% |