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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 | $324,063 | $148,582+118.1% | $135,942+138.4% | $139,456+132.4% |
| Participation rate | 100.0% | 83.9%+16.1pp | 81.9%+18.1pp | 80.3%+19.7pp |
| Annual return | 17.33% | 79.26%-61.9pp | 68.28%-51.0pp | 373.45%-356.1pp |
| Employer contribution / active EE | $5,240 | $5,245-0.1% | $4,858+7.9% | $4,753+10.2% |
| Participant deferral / active EE | $7,515 | $8,101-7.2% | $7,759-3.1% | $6,711+12.0% |
| Admin fee / account holder | $32,858 | $12,402+164.9% | $10,764+205.3% | $11,407+188.1% |