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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 | $252,554 | $217,432+16.2% | $185,849+35.9% | $167,536+50.7% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 11.26% | 148.42%-137.2pp | 122.10%-110.8pp | 478.82%-467.6pp |
| Employer contribution / active EE | $8,946 | $5,875+52.3% | $5,169+73.1% | $4,839+84.9% |
| Participant deferral / active EE | $8,071 | $6,357+27.0% | $5,569+44.9% | $6,342+27.3% |
| Admin fee / account holder | $1,714 | $19,818-91.4% | $16,244-89.4% | $12,315-86.1% |