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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 | $365,337 | $202,342+80.6% | $172,752+111.5% | $152,897+138.9% |
| Participation rate | 100.0% | 87.1%+12.9pp | 82.6%+17.4pp | 82.5%+17.5pp |
| Annual return | 25.36% | 1029.83%-1004.5pp | 802.97%-777.6pp | 345.43%-320.1pp |
| Employer contribution / active EE | $3,504 | $5,858-40.2% | $5,144-31.9% | $4,764-26.4% |
| Participant deferral / active EE | $4,310 | $5,948-27.5% | $5,198-17.1% | $5,851-26.3% |
| Admin fee / account holder | $8,811 | $17,111-48.5% | $13,955-36.9% | $11,599-24.0% |