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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 | $255,193 | $172,111+48.3% | $150,298+69.8% | $137,256+85.9% |
| Participation rate | 100.0% | 81.7%+18.3pp | 77.8%+22.2pp | 80.0%+20.0pp |
| Annual return | 14.45% | 69.37%-54.9pp | 62.79%-48.3pp | 220.34%-205.9pp |
| Employer contribution / active EE | $9,713 | $4,636+109.5% | $4,154+133.8% | $4,156+133.7% |
| Participant deferral / active EE | $3,532 | $6,166-42.7% | $5,453-35.2% | $6,407-44.9% |
| Admin fee / account holder | $5,234 | $16,471-68.2% | $14,116-62.9% | $12,270-57.3% |