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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 | $255,293 | $183,539+39.1% | $155,556+64.1% | $145,897+75.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 14.22% | 61.31%-47.1pp | 64.84%-50.6pp | 552.29%-538.1pp |
| Employer contribution / active EE | $16,261 | $5,315+205.9% | $4,675+247.8% | $4,663+248.8% |
| Participant deferral / active EE | $11,327 | $6,467+75.2% | $5,631+101.2% | $6,689+69.3% |
| Admin fee / account holder | $2,645 | $19,275-86.3% | $15,885-83.3% | $13,390-80.2% |