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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 | $343,178 | $175,231+95.8% | $149,696+129.2% | $139,466+146.1% |
| Participation rate | 100.0% | 83.4%+16.6pp | 78.8%+21.2pp | 80.3%+19.7pp |
| Annual return | 19.96% | 166.77%-146.8pp | 134.46%-114.5pp | 373.66%-353.7pp |
| Employer contribution / active EE | $6,568 | $5,478+19.9% | $4,821+36.2% | $4,754+38.2% |
| Participant deferral / active EE | $8,352 | $6,521+28.1% | $5,682+47.0% | $6,712+24.4% |
| Admin fee / account holder | $514 | $16,155-96.8% | $13,212-96.1% | $11,409-95.5% |