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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 | $262,054 | $115,810+126.3% | $101,271+158.8% | $158,966+64.8% |
| Participation rate | 100.0% | 79.4%+20.6pp | 75.8%+24.2pp | 82.0%+18.0pp |
| Annual return | 16.64% | 56.15%-39.5pp | 46.48%-29.8pp | 302.95%-286.3pp |
| Employer contribution / active EE | $12,597 | $4,175+201.7% | $3,660+244.2% | $4,762+164.5% |
| Participant deferral / active EE | $5,432 | $4,958+9.6% | $4,371+24.3% | $5,983-9.2% |
| Admin fee / account holder | $7,719 | $7,248+6.5% | $5,948+29.8% | $11,250-31.4% |