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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 | $262,083 | $157,304+66.6% | $141,197+85.6% | $152,909+71.4% |
| Participation rate | 100.0% | 84.8%+15.2pp | 82.5%+17.5pp | 82.5%+17.5pp |
| Annual return | 25.37% | 64.34%-39.0pp | 71.41%-46.0pp | 345.46%-320.1pp |
| Employer contribution / active EE | $11,653 | $5,263+121.4% | $4,736+146.0% | $4,764+144.6% |
| Participant deferral / active EE | $9,100 | $7,111+28.0% | $6,710+35.6% | $5,851+55.5% |
| Admin fee / account holder | $2,851 | $12,126-76.5% | $10,265-72.2% | $11,601-75.4% |