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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 | $454,366 | $175,231+159.3% | $149,696+203.5% | $139,466+225.8% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 14.08% | 166.77%-152.7pp | 134.46%-120.4pp | 373.66%-359.6pp |
| Employer contribution / active EE | $9,739 | $5,478+77.8% | $4,821+102.0% | $4,754+104.9% |
| Participant deferral / active EE | $13,389 | $6,521+105.3% | $5,682+135.6% | $6,712+99.5% |
| Admin fee / account holder | $2,324 | $16,155-85.6% | $13,212-82.4% | $11,409-79.6% |