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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 | $351,760 | $209,428+68.0% | $178,498+97.1% | $158,950+121.3% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 17.89% | 188.78%-170.9pp | 151.09%-133.2pp | 302.91%-285.0pp |
| Employer contribution / active EE | $6,550 | $5,707+14.8% | $5,011+30.7% | $4,762+37.6% |
| Participant deferral / active EE | $9,781 | $5,955+64.3% | $5,202+88.0% | $5,983+63.5% |
| Admin fee / account holder | $1,943 | $17,077-88.6% | $13,985-86.1% | $11,248-82.7% |