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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 | $304,445 | $148,629+104.8% | $135,982+123.9% | $139,487+118.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 19.97% | 79.33%-59.4pp | 68.32%-48.4pp | 373.84%-353.9pp |
| Employer contribution / active EE | $16,490 | $5,247+214.3% | $4,859+239.4% | $4,755+246.8% |
| Participant deferral / active EE | $15,897 | $8,102+96.2% | $7,760+104.9% | $6,713+136.8% |
| Admin fee / account holder | $6,049 | $12,406-51.2% | $10,767-43.8% | $11,407-47.0% |