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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 | $317,420 | $165,399+91.9% | $149,745+112.0% | $158,982+99.7% |
| Participation rate | 100.0% | 84.6%+15.4pp | 82.5%+17.5pp | 82.0%+18.0pp |
| Annual return | 18.29% | 348.34%-330.0pp | 276.72%-258.4pp | 302.99%-284.7pp |
| Employer contribution / active EE | $7,366 | $5,105+44.3% | $4,646+58.5% | $4,763+54.6% |
| Participant deferral / active EE | $4,980 | $7,183-30.7% | $6,843-27.2% | $5,983-16.8% |
| Admin fee / account holder | $1,741 | $10,811-83.9% | $9,312-81.3% | $11,252-84.5% |