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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 | $276,728 | $227,399+21.7% | $189,758+45.8% | $198,609+39.3% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 14.21% | 61.03%-46.8pp | 52.62%-38.4pp | 202.70%-188.5pp |
| Employer contribution / active EE | $4,174 | $5,526-24.5% | $4,767-12.4% | $5,055-17.4% |
| Participant deferral / active EE | $9,122 | $6,837+33.4% | $5,856+55.8% | $6,977+30.7% |
| Admin fee / account holder | $9,787 | $25,162-61.1% | $20,388-52.0% | $19,030-48.6% |