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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 | $293,559 | $108,882+169.6% | $96,754+203.4% | $154,746+89.7% |
| Participation rate | 100.0% | 75.1%+24.9pp | 70.3%+29.7pp | 80.7%+19.3pp |
| Annual return | 23.10% | 98.39%-75.3pp | 82.04%-58.9pp | 172.34%-149.2pp |
| Employer contribution / active EE | $19,981 | $3,018+562.0% | $2,679+645.8% | $4,379+356.3% |
| Participant deferral / active EE | $13,921 | $5,323+161.5% | $4,758+192.6% | $6,730+106.8% |
| Admin fee / account holder | $4,945 | $10,200-51.5% | $8,905-44.5% | $14,365-65.6% |