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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 | $290,788 | $175,257+65.9% | $149,717+94.2% | $139,456+108.5% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 26.45% | 166.70%-140.2pp | 134.41%-108.0pp | 373.45%-347.0pp |
| Employer contribution / active EE | $5,225 | $5,477-4.6% | $4,820+8.4% | $4,753+9.9% |
| Participant deferral / active EE | $3,000 | $6,521-54.0% | $5,682-47.2% | $6,711-55.3% |
| Admin fee / account holder | $6,425 | $16,156-60.2% | $13,213-51.4% | $11,407-43.7% |