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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 | $268,613 | $108,882+146.7% | $96,754+177.6% | $154,746+73.6% |
| Participation rate | 100.0% | 75.1%+24.9pp | 70.3%+29.7pp | 80.7%+19.3pp |
| Annual return | 13.25% | 98.39%-85.1pp | 82.04%-68.8pp | 172.34%-159.1pp |
| Employer contribution / active EE | $28,004 | $3,018+827.9% | $2,679+945.2% | $4,379+539.5% |
| Participant deferral / active EE | $16,775 | $5,323+215.2% | $4,758+252.6% | $6,730+149.2% |
| Admin fee / account holder | $1,374 | $10,200-86.5% | $8,905-84.6% | $14,365-90.4% |