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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 | $360,473 | $217,432+65.8% | $185,851+94.0% | $167,553+115.1% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 9.41% | 148.43%-139.0pp | 122.11%-112.7pp | 478.89%-469.5pp |
| Employer contribution / active EE | $8,699 | $5,874+48.1% | $5,168+68.3% | $4,840+79.7% |
| Participant deferral / active EE | $5,712 | $6,357-10.2% | $5,569+2.6% | $6,343-9.9% |
| Admin fee / account holder | $730 | $19,820-96.3% | $16,245-95.5% | $12,316-94.1% |