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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 | $375,859 | $196,972+90.8% | $182,262+106.2% | $198,609+89.2% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 14.19% | 158.27%-144.1pp | 140.60%-126.4pp | 202.70%-188.5pp |
| Employer contribution / active EE | $9,164 | $5,364+70.9% | $5,046+81.6% | $5,055+81.3% |
| Participant deferral / active EE | $13,203 | $8,643+52.8% | $8,276+59.5% | $6,977+89.2% |
| Admin fee / account holder | $3,928 | $18,429-78.7% | $16,712-76.5% | $19,030-79.4% |