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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 | $283,024 | $176,105+60.7% | $159,474+77.5% | $167,536+68.9% |
| Participation rate | 77.8% | 85.0%-7.2pp | 82.8%-5.1pp | 82.1%-4.3pp |
| Annual return | 19.47% | 331.91%-312.4pp | 263.68%-244.2pp | 478.82%-459.3pp |
| Employer contribution / active EE | $8,792 | $5,299+65.9% | $4,831+82.0% | $4,839+81.7% |
| Participant deferral / active EE | $8,044 | $7,751+3.8% | $7,353+9.4% | $6,342+26.8% |
| Admin fee / account holder | $885 | $12,559-92.9% | $10,802-91.8% | $12,315-92.8% |