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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 | $254,979 | $183,516+38.9% | $155,534+63.9% | $145,884+74.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 9.18% | 61.43%-52.2pp | 64.92%-55.7pp | 551.85%-542.7pp |
| Employer contribution / active EE | $14,411 | $5,315+171.1% | $4,675+208.3% | $4,662+209.1% |
| Participant deferral / active EE | $2,118 | $6,467-67.2% | $5,630-62.4% | $6,690-68.3% |
| Admin fee / account holder | $4,317 | $19,293-77.6% | $15,900-72.8% | $13,392-67.8% |