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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 | $285,710 | $175,257+63.0% | $149,717+90.8% | $139,456+104.9% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 16.04% | 166.70%-150.7pp | 134.41%-118.4pp | 373.45%-357.4pp |
| Employer contribution / active EE | $8,691 | $5,477+58.7% | $4,820+80.3% | $4,753+82.9% |
| Participant deferral / active EE | $9,045 | $6,521+38.7% | $5,682+59.2% | $6,711+34.8% |
| Admin fee / account holder | $1,590 | $16,156-90.2% | $13,213-88.0% | $11,407-86.1% |