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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 | $278,140 | $180,749+53.9% | $160,784+73.0% | $137,256+102.6% |
| Participation rate | 100.0% | 80.0%+20.0pp | 77.0%+23.0pp | 80.0%+20.0pp |
| Annual return | 18.29% | 2234.46%-2216.2pp | 1803.92%-1785.6pp | 220.34%-202.0pp |
| Employer contribution / active EE | $2,727 | $4,155-34.4% | $3,733-26.9% | $4,156-34.4% |
| Participant deferral / active EE | $7,458 | $6,844+9.0% | $6,293+18.5% | $6,407+16.4% |
| Admin fee / account holder | $1,928 | $10,397-81.5% | $9,717-80.2% | $12,270-84.3% |