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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 | $301,871 | $183,516+64.5% | $155,534+94.1% | $145,884+106.9% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 13.28% | 61.43%-48.1pp | 64.92%-51.6pp | 551.85%-538.6pp |
| Employer contribution / active EE | $7,394 | $5,315+39.1% | $4,675+58.2% | $4,662+58.6% |
| Participant deferral / active EE | $11,276 | $6,467+74.4% | $5,630+100.3% | $6,690+68.6% |
| Admin fee / account holder | $12,980 | $19,293-32.7% | $15,900-18.4% | $13,392-3.1% |