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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 | $260,840 | $165,399+57.7% | $149,745+74.2% | $158,982+64.1% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 19.65% | 348.34%-328.7pp | 276.72%-257.1pp | 302.99%-283.3pp |
| Employer contribution / active EE | $20,120 | $5,105+294.2% | $4,646+333.1% | $4,763+322.4% |
| Participant deferral / active EE | $14,064 | $7,183+95.8% | $6,843+105.5% | $5,983+135.0% |
| Admin fee / account holder | $8,263 | $10,811-23.6% | $9,312-11.3% | $11,252-26.6% |