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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 | $270,954 | $148,629+82.3% | $135,982+99.3% | $139,487+94.3% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 29.86% | 79.33%-49.5pp | 68.32%-38.5pp | 373.84%-344.0pp |
| Employer contribution / active EE | $7,262 | $5,247+38.4% | $4,859+49.5% | $4,755+52.7% |
| Participant deferral / active EE | $10,124 | $8,102+25.0% | $7,760+30.5% | $6,713+50.8% |
| Admin fee / account holder | $1,606 | $12,406-87.1% | $10,767-85.1% | $11,407-85.9% |