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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 | $298,460 | $165,399+80.4% | $149,745+99.3% | $158,982+87.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 12.51% | 348.34%-335.8pp | 276.72%-264.2pp | 302.99%-290.5pp |
| Employer contribution / active EE | $7,884 | $5,105+54.4% | $4,646+69.7% | $4,763+65.5% |
| Participant deferral / active EE | $6,247 | $7,183-13.0% | $6,843-8.7% | $5,983+4.4% |
| Admin fee / account holder | $2,614 | $10,811-75.8% | $9,312-71.9% | $11,252-76.8% |