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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 | $295,851 | $183,516+61.2% | $155,534+90.2% | $145,884+102.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 16.02% | 61.43%-45.4pp | 64.92%-48.9pp | 551.85%-535.8pp |
| Employer contribution / active EE | $8,074 | $5,315+51.9% | $4,675+72.7% | $4,662+73.2% |
| Participant deferral / active EE | $8,517 | $6,467+31.7% | $5,630+51.3% | $6,690+27.3% |
| Admin fee / account holder | $5,080 | $19,293-73.7% | $15,900-68.1% | $13,392-62.1% |