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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 | $289,761 | $208,088+39.2% | $186,193+55.6% | $154,746+87.2% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.1%+22.9pp | 80.7%+19.3pp |
| Annual return | 19.24% | 89.97%-70.7pp | 78.03%-58.8pp | 172.34%-153.1pp |
| Employer contribution / active EE | $15,413 | $4,340+255.1% | $3,918+293.4% | $4,379+252.0% |
| Participant deferral / active EE | $21,869 | $7,078+209.0% | $6,513+235.8% | $6,730+224.9% |
| Admin fee / account holder | $32,550 | $11,698+178.2% | $11,058+194.4% | $14,365+126.6% |