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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 | $129,737+124.7% | $119,126+144.7% | $154,746+88.4% |
| Participation rate | 100.0% | 78.9%+21.1pp | 75.8%+24.2pp | 80.7%+19.3pp |
| Annual return | 16.42% | 379.08%-362.7pp | 282.11%-265.7pp | 172.34%-155.9pp |
| Employer contribution / active EE | $18,707 | $4,375+327.6% | $4,034+363.8% | $4,379+327.2% |
| Participant deferral / active EE | $19,061 | $5,842+226.3% | $5,318+258.4% | $6,730+183.2% |
| Admin fee / account holder | $1,488 | $11,961-87.6% | $10,693-86.1% | $14,365-89.6% |