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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 | $294,596 | $175,257+68.1% | $149,717+96.8% | $139,456+111.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 11.29% | 166.70%-155.4pp | 134.41%-123.1pp | 373.45%-362.2pp |
| Employer contribution / active EE | $10,094 | $5,477+84.3% | $4,820+109.4% | $4,753+112.4% |
| Participant deferral / active EE | $7,978 | $6,521+22.3% | $5,682+40.4% | $6,711+18.9% |
| Admin fee / account holder | $956 | $16,156-94.1% | $13,213-92.8% | $11,407-91.6% |