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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 | $261,525 | $183,516+42.5% | $155,534+68.1% | $145,884+79.3% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 23.25% | 61.43%-38.2pp | 64.92%-41.7pp | 551.85%-528.6pp |
| Employer contribution / active EE | $16,946 | $5,315+218.9% | $4,675+262.5% | $4,662+263.5% |
| Participant deferral / active EE | $7,925 | $6,467+22.6% | $5,630+40.8% | $6,690+18.5% |
| Admin fee / account holder | $3,392 | $19,293-82.4% | $15,900-78.7% | $13,392-74.7% |