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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 | $451,288 | $175,259+157.5% | $149,723+201.4% | $139,487+223.5% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 16.59% | 166.82%-150.2pp | 134.50%-117.9pp | 373.84%-357.3pp |
| Employer contribution / active EE | $4,245 | $5,478-22.5% | $4,821-12.0% | $4,755-10.7% |
| Participant deferral / active EE | $22,701 | $6,522+248.1% | $5,682+299.5% | $6,713+238.2% |
| Admin fee / account holder | $769 | $16,158-95.2% | $13,215-94.2% | $11,407-93.3% |