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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 | $254,035 | $165,399+53.6% | $149,745+69.6% | $158,982+59.8% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 32.97% | 348.34%-315.4pp | 276.72%-243.7pp | 302.99%-270.0pp |
| Employer contribution / active EE | $11,097 | $5,105+117.4% | $4,646+138.9% | $4,763+133.0% |
| Participant deferral / active EE | $9,892 | $7,183+37.7% | $6,843+44.6% | $5,983+65.3% |
| Admin fee / account holder | $1,499 | $10,811-86.1% | $9,312-83.9% | $11,252-86.7% |