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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 | $267,181 | $154,228+73.2% | $145,433+83.7% | $137,256+94.7% |
| Participation rate | 100.0% | 83.8%+16.2pp | 82.1%+17.9pp | 80.0%+20.0pp |
| Annual return | 13.36% | 74.59%-61.2pp | 66.58%-53.2pp | 220.34%-207.0pp |
| Employer contribution / active EE | $25,875 | $4,804+438.6% | $4,554+468.1% | $4,156+522.6% |
| Participant deferral / active EE | $13,388 | $8,216+62.9% | $7,897+69.5% | $6,407+109.0% |
| Admin fee / account holder | $21,887 | $14,344+52.6% | $13,129+66.7% | $12,270+78.4% |