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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 | $267,273 | $148,623+79.8% | $135,974+96.6% | $139,466+91.6% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 14.11% | 79.30%-65.2pp | 68.30%-54.2pp | 373.66%-359.6pp |
| Employer contribution / active EE | $3,863 | $5,246-26.4% | $4,859-20.5% | $4,754-18.7% |
| Participant deferral / active EE | $12,480 | $8,103+54.0% | $7,760+60.8% | $6,712+85.9% |
| Admin fee / account holder | $438 | $12,406-96.5% | $10,767-95.9% | $11,409-96.2% |