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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 | $291,512 | $171,492+70.0% | $150,734+93.4% | $198,609+46.8% |
| Participation rate | 100.0% | 81.4%+18.6pp | 78.4%+21.6pp | 82.4%+17.6pp |
| Annual return | 16.42% | 804.70%-788.3pp | 600.81%-584.4pp | 202.70%-186.3pp |
| Employer contribution / active EE | $18,707 | $5,470+242.0% | $4,918+280.4% | $5,055+270.0% |
| Participant deferral / active EE | $19,061 | $6,259+204.5% | $5,610+239.8% | $6,977+173.2% |
| Admin fee / account holder | $1,488 | $17,628-91.6% | $14,905-90.0% | $19,030-92.2% |