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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 | $259,340 | $97,125+167.0% | $86,233+200.7% | $137,256+88.9% |
| Participation rate | 100.0% | 74.2%+25.8pp | 69.0%+31.0pp | 80.0%+20.0pp |
| Annual return | 15.82% | 74.19%-58.4pp | 61.39%-45.6pp | 220.34%-204.5pp |
| Employer contribution / active EE | $8,156 | $2,841+187.1% | $2,504+225.7% | $4,156+96.3% |
| Participant deferral / active EE | $21,290 | $5,180+311.0% | $4,559+367.0% | $6,407+232.3% |
| Admin fee / account holder | $10,431 | $9,725+7.3% | $8,342+25.0% | $12,270-15.0% |