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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 | $287,440 | $175,259+64.0% | $149,723+92.0% | $139,487+106.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 19.59% | 166.82%-147.2pp | 134.50%-114.9pp | 373.84%-354.3pp |
| Employer contribution / active EE | $11,303 | $5,478+106.3% | $4,821+134.4% | $4,755+137.7% |
| Participant deferral / active EE | $5,278 | $6,522-19.1% | $5,682-7.1% | $6,713-21.4% |
| Admin fee / account holder | $2,649 | $16,158-83.6% | $13,215-80.0% | $11,407-76.8% |