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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 | $341,103 | $183,516+85.9% | $155,534+119.3% | $145,884+133.8% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 13.09% | 61.43%-48.3pp | 64.92%-51.8pp | 551.85%-538.8pp |
| Employer contribution / active EE | $8,859 | $5,315+66.7% | $4,675+89.5% | $4,662+90.0% |
| Participant deferral / active EE | $4,980 | $6,467-23.0% | $5,630-11.5% | $6,690-25.6% |
| Admin fee / account holder | $3,153 | $19,293-83.7% | $15,900-80.2% | $13,392-76.5% |