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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 | $342,246 | $138,078+147.9% | $125,363+173.0% | $134,509+154.4% |
| Participation rate | 100.0% | 84.5%+15.5pp | 82.4%+17.6pp | 81.2%+18.8pp |
| Annual return | 4.92% | 750.49%-745.6pp | 572.15%-567.2pp | 418.13%-413.2pp |
| Employer contribution / active EE | $2,327 | $5,245-55.6% | $4,815-51.7% | $4,741-50.9% |
| Participant deferral / active EE | $9,217 | $7,800+18.2% | $7,447+23.8% | $6,400+44.0% |
| Admin fee / account holder | $1,377 | $11,566-88.1% | $10,005-86.2% | $11,427-87.9% |