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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 | $255,479 | $196,972+29.7% | $182,262+40.2% | $198,609+28.6% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 19.76% | 158.27%-138.5pp | 140.60%-120.8pp | 202.70%-182.9pp |
| Employer contribution / active EE | $8,804 | $5,364+64.1% | $5,046+74.5% | $5,055+74.1% |
| Participant deferral / active EE | $10,695 | $8,643+23.7% | $8,276+29.2% | $6,977+53.3% |
| Admin fee / account holder | $4,000 | $18,429-78.3% | $16,712-76.1% | $19,030-79.0% |