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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 | $301,821 | $226,135+33.5% | $182,558+65.3% | $152,909+97.4% |
| Participation rate | 100.0% | 82.5%+17.5pp | 78.0%+22.0pp | 82.5%+17.5pp |
| Annual return | 11.57% | 192.60%-181.0pp | 148.59%-137.0pp | 345.46%-333.9pp |
| Employer contribution / active EE | $8,986 | $4,979+80.5% | $4,076+120.5% | $4,764+88.6% |
| Participant deferral / active EE | $8,386 | $6,371+31.6% | $5,526+51.8% | $5,851+43.3% |
| Admin fee / account holder | $732 | $10,707-93.2% | $8,594-91.5% | $11,601-93.7% |