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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 | $426,581 | $175,257+143.4% | $149,717+184.9% | $139,456+205.9% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 13.27% | 166.70%-153.4pp | 134.41%-121.1pp | 373.45%-360.2pp |
| Employer contribution / active EE | $0 | $5,477-100.0% | $4,820-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $10,948 | $6,521+67.9% | $5,682+92.7% | $6,711+63.1% |
| Admin fee / account holder | $13,077 | $16,156-19.1% | $13,213-1.0% | $11,407+14.6% |