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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 | $289,231 | $175,259+65.0% | $149,723+93.2% | $139,487+107.4% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 21.22% | 166.82%-145.6pp | 134.50%-113.3pp | 373.84%-352.6pp |
| Employer contribution / active EE | $8,833 | $5,478+61.2% | $4,821+83.2% | $4,755+85.8% |
| Participant deferral / active EE | $6,593 | $6,522+1.1% | $5,682+16.0% | $6,713-1.8% |
| Admin fee / account holder | $1,647 | $16,158-89.8% | $13,215-87.5% | $11,407-85.6% |