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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 | $331,973 | $198,457+67.3% | $170,435+94.8% | $147,586+124.9% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 18.98% | 257.30%-238.3pp | 205.94%-187.0pp | 578.59%-559.6pp |
| Employer contribution / active EE | $9,396 | $6,183+52.0% | $5,432+73.0% | $4,876+92.7% |
| Participant deferral / active EE | $2,039 | $5,629-63.8% | $4,939-58.7% | $5,439-62.5% |
| Admin fee / account holder | $2,152 | $16,852-87.2% | $13,881-84.5% | $10,886-80.2% |