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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 | $282,963 | $183,516+54.2% | $155,534+81.9% | $145,884+94.0% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 11.93% | 61.43%-49.5pp | 64.92%-53.0pp | 551.85%-539.9pp |
| Employer contribution / active EE | $6,235 | $5,315+17.3% | $4,675+33.4% | $4,662+33.7% |
| Participant deferral / active EE | $7,933 | $6,467+22.7% | $5,630+40.9% | $6,690+18.6% |
| Admin fee / account holder | $11,606 | $19,293-39.8% | $15,900-27.0% | $13,392-13.3% |