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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 | $261,712 | $180,462+45.0% | $154,111+69.8% | $135,379+93.3% |
| Participation rate | 88.9% | 87.4%+1.5pp | 83.0%+5.9pp | 82.6%+6.2pp |
| Annual return | 6.02% | 888.17%-882.1pp | 735.18%-729.2pp | 519.79%-513.8pp |
| Employer contribution / active EE | $0 | $6,036-100.0% | $5,298-100.0% | $4,779-100.0% |
| Participant deferral / active EE | $6,868 | $5,806+18.3% | $5,081+35.2% | $5,609+22.4% |
| Admin fee / account holder | $1,590 | $16,145-90.2% | $13,411-88.1% | $10,828-85.3% |