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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 | $378,859 | $175,231+116.2% | $149,696+153.1% | $139,466+171.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 16.52% | 166.77%-150.2pp | 134.46%-117.9pp | 373.66%-357.1pp |
| Employer contribution / active EE | $3,560 | $5,478-35.0% | $4,821-26.2% | $4,754-25.1% |
| Participant deferral / active EE | $6,589 | $6,521+1.0% | $5,682+16.0% | $6,712-1.8% |
| Admin fee / account holder | $685 | $16,155-95.8% | $13,212-94.8% | $11,409-94.0% |