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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 | $334,326 | $217,432+53.8% | $185,849+79.9% | $167,536+99.6% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 12.22% | 148.42%-136.2pp | 122.10%-109.9pp | 478.82%-466.6pp |
| Employer contribution / active EE | $7,650 | $5,875+30.2% | $5,169+48.0% | $4,839+58.1% |
| Participant deferral / active EE | $8,967 | $6,357+41.1% | $5,569+61.0% | $6,342+41.4% |
| Admin fee / account holder | $3,822 | $19,818-80.7% | $16,244-76.5% | $12,315-69.0% |