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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 | $329,255 | $183,539+79.4% | $155,556+111.7% | $145,897+125.7% |
| Participation rate | 82.4% | 82.7%-0.4pp | 78.2%+4.1pp | 80.3%+2.0pp |
| Annual return | 59.91% | 61.31%-1.4pp | 64.84%-4.9pp | 552.29%-492.4pp |
| Employer contribution / active EE | $7,237 | $5,315+36.2% | $4,675+54.8% | $4,663+55.2% |
| Participant deferral / active EE | $8,414 | $6,467+30.1% | $5,631+49.4% | $6,689+25.8% |
| Admin fee / account holder | $399 | $19,275-97.9% | $15,885-97.5% | $13,390-97.0% |