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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 | $386,214 | $175,259+120.4% | $149,723+158.0% | $139,487+176.9% |
| Participation rate | 88.9% | 83.4%+5.5pp | 78.8%+10.1pp | 80.3%+8.6pp |
| Annual return | 19.21% | 166.82%-147.6pp | 134.50%-115.3pp | 373.84%-354.6pp |
| Employer contribution / active EE | $9,539 | $5,478+74.1% | $4,821+97.8% | $4,755+100.6% |
| Participant deferral / active EE | $10,367 | $6,522+59.0% | $5,682+82.4% | $6,713+54.4% |
| Admin fee / account holder | $23,651 | $16,158+46.4% | $13,215+79.0% | $11,407+107.3% |