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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 | $311,751 | $175,257+77.9% | $149,717+108.2% | $139,456+123.5% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 17.19% | 166.70%-149.5pp | 134.41%-117.2pp | 373.45%-356.3pp |
| Employer contribution / active EE | $6,085 | $5,477+11.1% | $4,820+26.3% | $4,753+28.0% |
| Participant deferral / active EE | $7,521 | $6,521+15.3% | $5,682+32.4% | $6,711+12.1% |
| Admin fee / account holder | $1,524 | $16,156-90.6% | $13,213-88.5% | $11,407-86.6% |