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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 | $290,368 | $175,231+65.7% | $149,696+94.0% | $139,466+108.2% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 13.33% | 166.77%-153.4pp | 134.46%-121.1pp | 373.66%-360.3pp |
| Employer contribution / active EE | $10,379 | $5,478+89.5% | $4,821+115.3% | $4,754+118.3% |
| Participant deferral / active EE | $2,931 | $6,521-55.0% | $5,682-48.4% | $6,712-56.3% |
| Admin fee / account holder | $9,662 | $16,155-40.2% | $13,212-26.9% | $11,409-15.3% |