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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 | $292,990 | $217,432+34.7% | $185,851+57.6% | $167,553+74.9% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 9.87% | 148.43%-138.6pp | 122.11%-112.2pp | 478.89%-469.0pp |
| Employer contribution / active EE | $4,617 | $5,874-21.4% | $5,168-10.7% | $4,840-4.6% |
| Participant deferral / active EE | $9,234 | $6,357+45.3% | $5,569+65.8% | $6,343+45.6% |
| Admin fee / account holder | $955 | $19,820-95.2% | $16,245-94.1% | $12,316-92.2% |