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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 | $372,077 | $217,432+71.1% | $185,851+100.2% | $167,553+122.1% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 13.65% | 148.43%-134.8pp | 122.11%-108.5pp | 478.89%-465.2pp |
| Employer contribution / active EE | $7,973 | $5,874+35.7% | $5,168+54.3% | $4,840+64.7% |
| Participant deferral / active EE | $7,127 | $6,357+12.1% | $5,569+28.0% | $6,343+12.4% |
| Admin fee / account holder | $4,964 | $19,820-75.0% | $16,245-69.4% | $12,316-59.7% |