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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 | $265,800 | $162,529+63.5% | $130,788+103.2% | $154,746+71.8% |
| Participation rate | 100.0% | 75.9%+24.1pp | 70.1%+29.9pp | 80.7%+19.3pp |
| Annual return | 12.02% | 510.48%-498.5pp | 386.44%-374.4pp | 172.34%-160.3pp |
| Employer contribution / active EE | $15,672 | $4,447+252.4% | $3,558+340.5% | $4,379+257.9% |
| Participant deferral / active EE | $16,531 | $4,808+243.8% | $4,137+299.6% | $6,730+145.6% |
| Admin fee / account holder | $1,983 | $7,669-74.1% | $6,673-70.3% | $14,365-86.2% |