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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 | $254,614 | $185,312+37.4% | $161,489+57.7% | $154,746+64.5% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.7%+21.3pp | 80.7%+19.3pp |
| Annual return | 20.94% | 103.84%-82.9pp | 89.72%-68.8pp | 172.34%-151.4pp |
| Employer contribution / active EE | $15,937 | $4,769+234.2% | $4,268+273.4% | $4,379+263.9% |
| Participant deferral / active EE | $13,850 | $6,350+118.1% | $5,630+146.0% | $6,730+105.8% |
| Admin fee / account holder | $2,402 | $18,654-87.1% | $16,006-85.0% | $14,365-83.3% |