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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 | $285,993 | $209,425+36.6% | $178,499+60.2% | $158,966+79.9% |
| Participation rate | 100.0% | 86.4%+13.6pp | 81.9%+18.1pp | 82.0%+18.0pp |
| Annual return | 11.22% | 188.80%-177.6pp | 151.10%-139.9pp | 302.95%-291.7pp |
| Employer contribution / active EE | $4,691 | $5,707-17.8% | $5,011-6.4% | $4,762-1.5% |
| Participant deferral / active EE | $6,500 | $5,955+9.2% | $5,202+24.9% | $5,983+8.6% |
| Admin fee / account holder | $17,059 | $17,078-0.1% | $13,986+22.0% | $11,250+51.6% |