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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 | $336,723 | $175,259+92.1% | $149,723+124.9% | $139,487+141.4% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 12.32% | 166.82%-154.5pp | 134.50%-122.2pp | 373.84%-361.5pp |
| Employer contribution / active EE | $5,393 | $5,478-1.6% | $4,821+11.9% | $4,755+13.4% |
| Participant deferral / active EE | $11,437 | $6,522+75.4% | $5,682+101.3% | $6,713+70.4% |
| Admin fee / account holder | $4,577 | $16,158-71.7% | $13,215-65.4% | $11,407-59.9% |