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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 | $287,705 | $183,539+56.8% | $155,556+85.0% | $145,897+97.2% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 13.51% | 61.31%-47.8pp | 64.84%-51.3pp | 552.29%-538.8pp |
| Employer contribution / active EE | $5,676 | $5,315+6.8% | $4,675+21.4% | $4,663+21.7% |
| Participant deferral / active EE | $10,249 | $6,467+58.5% | $5,631+82.0% | $6,689+53.2% |
| Admin fee / account holder | $938 | $19,275-95.1% | $15,885-94.1% | $13,390-93.0% |