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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 | $266,074 | $148,623+79.0% | $135,974+95.7% | $139,466+90.8% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 13.83% | 79.30%-65.5pp | 68.30%-54.5pp | 373.66%-359.8pp |
| Employer contribution / active EE | $5,833 | $5,246+11.2% | $4,859+20.1% | $4,754+22.7% |
| Participant deferral / active EE | $11,597 | $8,103+43.1% | $7,760+49.4% | $6,712+72.8% |
| Admin fee / account holder | $6,191 | $12,406-50.1% | $10,767-42.5% | $11,409-45.7% |