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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 | $357,904 | $175,259+104.2% | $149,723+139.0% | $139,487+156.6% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 18.03% | 166.82%-148.8pp | 134.50%-116.5pp | 373.84%-355.8pp |
| Employer contribution / active EE | $8,455 | $5,478+54.3% | $4,821+75.4% | $4,755+77.8% |
| Participant deferral / active EE | $4,977 | $6,522-23.7% | $5,682-12.4% | $6,713-25.8% |
| Admin fee / account holder | $1,941 | $16,158-88.0% | $13,215-85.3% | $11,407-83.0% |