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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 | $250,531 | $175,259+42.9% | $149,723+67.3% | $139,487+79.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 16.12% | 166.82%-150.7pp | 134.50%-118.4pp | 373.84%-357.7pp |
| Employer contribution / active EE | $3,740 | $5,478-31.7% | $4,821-22.4% | $4,755-21.3% |
| Participant deferral / active EE | $17,775 | $6,522+172.5% | $5,682+212.8% | $6,713+164.8% |
| Admin fee / account holder | $1,122 | $16,158-93.1% | $13,215-91.5% | $11,407-90.2% |