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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 | $270,430 | $232,540+16.3% | $185,117+46.1% | $147,586+83.2% |
| Participation rate | 100.0% | 82.4%+17.6pp | 77.3%+22.7pp | 82.8%+17.2pp |
| Annual return | 21.79% | 43.03%-21.2pp | 40.50%-18.7pp | 578.59%-556.8pp |
| Employer contribution / active EE | $3,364 | $5,195-35.3% | $4,182-19.6% | $4,876-31.0% |
| Participant deferral / active EE | $8,917 | $5,834+52.9% | $5,045+76.8% | $5,439+64.0% |
| Admin fee / account holder | $12,565 | $10,275+22.3% | $8,159+54.0% | $10,886+15.4% |