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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 | $273,712 | $217,432+25.9% | $185,851+47.3% | $167,553+63.4% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 13.00% | 148.43%-135.4pp | 122.11%-109.1pp | 478.89%-465.9pp |
| Employer contribution / active EE | $4,090 | $5,874-30.4% | $5,168-20.9% | $4,840-15.5% |
| Participant deferral / active EE | $8,817 | $6,357+38.7% | $5,569+58.3% | $6,343+39.0% |
| Admin fee / account holder | $2,032 | $19,820-89.7% | $16,245-87.5% | $12,316-83.5% |