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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 | $378,338 | $175,231+115.9% | $149,696+152.7% | $139,466+171.3% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 14.42% | 166.77%-152.3pp | 134.46%-120.0pp | 373.66%-359.2pp |
| Employer contribution / active EE | $4,837 | $5,478-11.7% | $4,821+0.3% | $4,754+1.7% |
| Participant deferral / active EE | $8,615 | $6,521+32.1% | $5,682+51.6% | $6,712+28.4% |
| Admin fee / account holder | $2,884 | $16,155-82.1% | $13,212-78.2% | $11,409-74.7% |