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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 | $320,058 | $217,392+47.2% | $185,818+72.2% | $167,497+91.1% |
| Participation rate | 100.0% | 86.0%+14.0pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 16.96% | 148.37%-131.4pp | 122.06%-105.1pp | 478.62%-461.7pp |
| Employer contribution / active EE | $3,644 | $5,873-38.0% | $5,168-29.5% | $4,838-24.7% |
| Participant deferral / active EE | $8,854 | $6,357+39.3% | $5,568+59.0% | $6,341+39.6% |
| Admin fee / account holder | $22,065 | $19,813+11.4% | $16,239+35.9% | $12,310+79.2% |