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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 | $312,178 | $198,457+57.3% | $170,435+83.2% | $147,586+111.5% |
| Participation rate | 100.0% | 88.0%+12.0pp | 83.6%+16.4pp | 82.8%+17.2pp |
| Annual return | 12.51% | 257.30%-244.8pp | 205.94%-193.4pp | 578.59%-566.1pp |
| Employer contribution / active EE | $8,088 | $6,183+30.8% | $5,432+48.9% | $4,876+65.9% |
| Participant deferral / active EE | $5,022 | $5,629-10.8% | $4,939+1.7% | $5,439-7.7% |
| Admin fee / account holder | $2,415 | $16,852-85.7% | $13,881-82.6% | $10,886-77.8% |