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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 | $294,390 | $183,978+60.0% | $162,171+81.5% | $152,885+92.6% |
| Participation rate | 100.0% | 88.5%+11.5pp | 87.6%+12.4pp | 82.5%+17.5pp |
| Annual return | 16.55% | 150.78%-134.2pp | 115.60%-99.0pp | 345.39%-328.8pp |
| Employer contribution / active EE | $4,258 | $6,370-33.2% | $5,613-24.1% | $4,763-10.6% |
| Participant deferral / active EE | $4,758 | $8,033-40.8% | $7,297-34.8% | $5,851-18.7% |
| Admin fee / account holder | $15,021 | $13,122+14.5% | $10,843+38.5% | $11,598+29.5% |