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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 | $268,471 | $183,627+46.2% | $155,602+72.5% | $145,978+83.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 23.62% | 61.32%-37.7pp | 64.81%-41.2pp | 550.52%-526.9pp |
| Employer contribution / active EE | $16,778 | $5,316+215.6% | $4,675+258.9% | $4,662+259.9% |
| Participant deferral / active EE | $12,185 | $6,466+88.5% | $5,629+116.5% | $6,690+82.1% |
| Admin fee / account holder | $5,798 | $19,327-70.0% | $15,923-63.6% | $13,400-56.7% |