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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 | $333,778 | $217,432+53.5% | $185,851+79.6% | $167,553+99.2% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 14.92% | 148.43%-133.5pp | 122.11%-107.2pp | 478.89%-464.0pp |
| Employer contribution / active EE | $10,552 | $5,874+79.6% | $5,168+104.2% | $4,840+118.0% |
| Participant deferral / active EE | $4,875 | $6,357-23.3% | $5,569-12.5% | $6,343-23.1% |
| Admin fee / account holder | $682 | $19,820-96.6% | $16,245-95.8% | $12,316-94.5% |