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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 | $279,524 | $185,905+50.4% | $170,057+64.4% | $139,487+100.4% |
| Participation rate | 100.0% | 87.8%+12.2pp | 87.0%+13.0pp | 80.3%+19.7pp |
| Annual return | 22.13% | 60.56%-38.4pp | 53.42%-31.3pp | 373.84%-351.7pp |
| Employer contribution / active EE | $29,339 | $7,597+286.2% | $6,790+332.1% | $4,755+517.1% |
| Participant deferral / active EE | $17,450 | $11,627+50.1% | $10,411+67.6% | $6,713+160.0% |
| Admin fee / account holder | $1,491 | $15,397-90.3% | $12,826-88.4% | $11,407-86.9% |