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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 | $252,980 | $217,432+16.3% | $185,849+36.1% | $167,536+51.0% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 16.05% | 148.42%-132.4pp | 122.10%-106.0pp | 478.82%-462.8pp |
| Employer contribution / active EE | $14,389 | $5,875+144.9% | $5,169+178.4% | $4,839+197.4% |
| Participant deferral / active EE | $9,140 | $6,357+43.8% | $5,569+64.1% | $6,342+44.1% |
| Admin fee / account holder | $2,418 | $19,818-87.8% | $16,244-85.1% | $12,315-80.4% |