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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 | $257,043 | $183,592+40.0% | $155,574+65.2% | $145,877+76.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 19.33% | 61.37%-42.0pp | 64.87%-45.5pp | 551.28%-531.9pp |
| Employer contribution / active EE | $9,967 | $5,317+87.5% | $4,676+113.2% | $4,663+113.7% |
| Participant deferral / active EE | $5,676 | $6,466-12.2% | $5,629+0.8% | $6,691-15.2% |
| Admin fee / account holder | $2,249 | $19,316-88.4% | $15,914-85.9% | $13,402-83.2% |