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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 | $386,689 | $209,422+84.6% | $178,503+116.6% | $158,982+143.2% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 31.96% | 188.81%-156.8pp | 151.12%-119.2pp | 302.99%-271.0pp |
| Employer contribution / active EE | $5,640 | $5,707-1.2% | $5,011+12.5% | $4,763+18.4% |
| Participant deferral / active EE | $5,920 | $5,955-0.6% | $5,202+13.8% | $5,983-1.1% |
| Admin fee / account holder | $4,843 | $17,079-71.6% | $13,987-65.4% | $11,252-57.0% |