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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 | $275,570 | $217,432+26.7% | $185,851+48.3% | $167,553+64.5% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 11.86% | 148.43%-136.6pp | 122.11%-110.3pp | 478.89%-467.0pp |
| Employer contribution / active EE | $1,812 | $5,874-69.2% | $5,168-64.9% | $4,840-62.6% |
| Participant deferral / active EE | $3,860 | $6,357-39.3% | $5,569-30.7% | $6,343-39.1% |
| Admin fee / account holder | $3,899 | $19,820-80.3% | $16,245-76.0% | $12,316-68.3% |