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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 | $294,297 | $165,351+78.0% | $149,710+96.6% | $158,931+85.2% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 16.56% | 348.19%-331.6pp | 276.63%-260.1pp | 302.86%-286.3pp |
| Employer contribution / active EE | $2,636 | $5,103-48.3% | $4,645-43.2% | $4,761-44.6% |
| Participant deferral / active EE | $13,869 | $7,181+93.1% | $6,842+102.7% | $5,982+131.8% |
| Admin fee / account holder | $1,218 | $10,807-88.7% | $9,309-86.9% | $11,247-89.2% |