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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 | $311,274 | $175,259+77.6% | $149,723+107.9% | $139,487+123.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 26.32% | 166.82%-140.5pp | 134.50%-108.2pp | 373.84%-347.5pp |
| Employer contribution / active EE | $5,814 | $5,478+6.1% | $4,821+20.6% | $4,755+22.3% |
| Participant deferral / active EE | $7,143 | $6,522+9.5% | $5,682+25.7% | $6,713+6.4% |
| Admin fee / account holder | $485 | $16,158-97.0% | $13,215-96.3% | $11,407-95.7% |