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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 | $352,287 | $175,259+101.0% | $149,723+135.3% | $139,487+152.6% |
| Participation rate | 88.9% | 83.4%+5.5pp | 78.8%+10.1pp | 80.3%+8.6pp |
| Annual return | 32.81% | 166.82%-134.0pp | 134.50%-101.7pp | 373.84%-341.0pp |
| Employer contribution / active EE | $10,296 | $5,478+87.9% | $4,821+113.6% | $4,755+116.5% |
| Participant deferral / active EE | $7,402 | $6,522+13.5% | $5,682+30.3% | $6,713+10.3% |
| Admin fee / account holder | $2,196 | $16,158-86.4% | $13,215-83.4% | $11,407-80.8% |