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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 | $251,236 | $166,131+51.2% | $164,975+52.3% | $145,877+72.2% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 15.77% | 100.37%-84.6pp | 70.12%-54.4pp | 551.28%-535.5pp |
| Employer contribution / active EE | $11,552 | $5,276+119.0% | $4,343+166.0% | $4,663+147.7% |
| Participant deferral / active EE | $13,049 | $6,962+87.4% | $6,033+116.3% | $6,691+95.0% |
| Admin fee / account holder | $773 | $16,648-95.4% | $12,688-93.9% | $13,402-94.2% |