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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 | $252,084 | $217,432+15.9% | $185,849+35.6% | $167,536+50.5% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 15.27% | 148.42%-133.1pp | 122.10%-106.8pp | 478.82%-463.5pp |
| Employer contribution / active EE | $11,973 | $5,875+103.8% | $5,169+131.7% | $4,839+147.4% |
| Participant deferral / active EE | $6,139 | $6,357-3.4% | $5,569+10.2% | $6,342-3.2% |
| Admin fee / account holder | $1,096 | $19,818-94.5% | $16,244-93.3% | $12,315-91.1% |