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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 | $391,727 | $178,174+119.9% | $156,181+150.8% | $137,256+185.4% |
| Participation rate | 100.0% | 82.0%+18.0pp | 78.8%+21.2pp | 80.0%+20.0pp |
| Annual return | 157.54% | 84.19%+73.4pp | 64.87%+92.7pp | 220.34%-62.8pp |
| Employer contribution / active EE | $4,800 | $4,972-3.5% | $4,294+11.8% | $4,156+15.5% |
| Participant deferral / active EE | $25,375 | $6,888+268.4% | $6,132+313.8% | $6,407+296.1% |
| Admin fee / account holder | $1,946 | $17,404-88.8% | $14,586-86.7% | $12,270-84.1% |