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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 | $250,874 | $162,136+54.7% | $152,301+64.7% | $154,746+62.1% |
| Participation rate | 100.0% | 84.1%+15.9pp | 82.4%+17.6pp | 80.7%+19.3pp |
| Annual return | 17.07% | 91.02%-74.0pp | 80.50%-63.4pp | 172.34%-155.3pp |
| Employer contribution / active EE | $19,847 | $4,890+305.8% | $4,624+329.2% | $4,379+353.2% |
| Participant deferral / active EE | $13,174 | $8,341+57.9% | $8,004+64.6% | $6,730+95.7% |
| Admin fee / account holder | $1,142 | $15,759-92.8% | $14,398-92.1% | $14,365-92.0% |