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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 | $284,631 | $198,457+43.4% | $170,435+67.0% | $147,586+92.9% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 20.87% | 257.30%-236.4pp | 205.94%-185.1pp | 578.59%-557.7pp |
| Employer contribution / active EE | $4,649 | $6,183-24.8% | $5,432-14.4% | $4,876-4.7% |
| Participant deferral / active EE | $9,482 | $5,629+68.4% | $4,939+92.0% | $5,439+74.3% |
| Admin fee / account holder | $4,581 | $16,852-72.8% | $13,881-67.0% | $10,886-57.9% |