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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 | $259,065 | $227,399+13.9% | $189,758+36.5% | $198,609+30.4% |
| Participation rate | 100.0% | 84.0%+16.0pp | 79.8%+20.2pp | 82.4%+17.6pp |
| Annual return | 19.08% | 61.03%-41.9pp | 52.62%-33.5pp | 202.70%-183.6pp |
| Employer contribution / active EE | $11,157 | $5,526+101.9% | $4,767+134.1% | $5,055+120.7% |
| Participant deferral / active EE | $9,769 | $6,837+42.9% | $5,856+66.8% | $6,977+40.0% |
| Admin fee / account holder | $20,543 | $25,162-18.4% | $20,388+0.8% | $19,030+7.9% |