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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 | $325,950 | $165,399+97.1% | $149,745+117.7% | $158,982+105.0% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 12.04% | 348.34%-336.3pp | 276.72%-264.7pp | 302.99%-290.9pp |
| Employer contribution / active EE | $6,776 | $5,105+32.8% | $4,646+45.9% | $4,763+42.3% |
| Participant deferral / active EE | $14,085 | $7,183+96.1% | $6,843+105.8% | $5,983+135.4% |
| Admin fee / account holder | $2,283 | $10,811-78.9% | $9,312-75.5% | $11,252-79.7% |