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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 | $294,868 | $166,268+77.3% | $165,100+78.6% | $145,897+102.1% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.6%+21.4pp | 80.3%+19.7pp |
| Annual return | 9.83% | 100.52%-90.7pp | 70.21%-60.4pp | 552.29%-542.5pp |
| Employer contribution / active EE | $16,733 | $5,284+216.7% | $4,348+284.8% | $4,663+258.9% |
| Participant deferral / active EE | $11,979 | $6,964+72.0% | $6,035+98.5% | $6,689+79.1% |
| Admin fee / account holder | $10,524 | $16,659-36.8% | $12,696-17.1% | $13,390-21.4% |