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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 | $256,273 | $196,972+30.1% | $182,262+40.6% | $198,609+29.0% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 14.93% | 158.27%-143.3pp | 140.60%-125.7pp | 202.70%-187.8pp |
| Employer contribution / active EE | $4,538 | $5,364-15.4% | $5,046-10.1% | $5,055-10.2% |
| Participant deferral / active EE | $19,600 | $8,643+126.8% | $8,276+136.8% | $6,977+180.9% |
| Admin fee / account holder | $2,283 | $18,429-87.6% | $16,712-86.3% | $19,030-88.0% |