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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 | $277,589 | $165,361+67.9% | $149,715+85.4% | $158,950+74.6% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 20.65% | 348.24%-327.6pp | 276.66%-256.0pp | 302.91%-282.3pp |
| Employer contribution / active EE | $22,368 | $5,103+338.3% | $4,645+381.6% | $4,762+369.7% |
| Participant deferral / active EE | $19,054 | $7,182+165.3% | $6,842+178.5% | $5,983+218.5% |
| Admin fee / account holder | $10,303 | $10,808-4.7% | $9,310+10.7% | $11,248-8.4% |