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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 | $286,500 | $183,592+56.1% | $155,574+84.2% | $145,877+96.4% |
| Participation rate | 100.0% | 82.7%+17.3pp | 78.2%+21.8pp | 80.3%+19.7pp |
| Annual return | 11.78% | 61.37%-49.6pp | 64.87%-53.1pp | 551.28%-539.5pp |
| Employer contribution / active EE | $8,386 | $5,317+57.7% | $4,676+79.3% | $4,663+79.8% |
| Participant deferral / active EE | $9,670 | $6,466+49.6% | $5,629+71.8% | $6,691+44.5% |
| Admin fee / account holder | $838 | $19,316-95.7% | $15,914-94.7% | $13,402-93.8% |