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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 | $265,188 | $175,231+51.3% | $149,696+77.2% | $139,466+90.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 26.31% | 166.77%-140.5pp | 134.46%-108.1pp | 373.66%-347.3pp |
| Employer contribution / active EE | $5,618 | $5,478+2.6% | $4,821+16.5% | $4,754+18.2% |
| Participant deferral / active EE | $7,730 | $6,521+18.5% | $5,682+36.0% | $6,712+15.2% |
| Admin fee / account holder | $3,396 | $16,155-79.0% | $13,212-74.3% | $11,409-70.2% |