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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 | $297,898 | $176,120+69.1% | $159,487+86.8% | $167,553+77.8% |
| Participation rate | 83.3% | 85.0%-1.6pp | 82.8%+0.5pp | 82.1%+1.2pp |
| Annual return | 10.45% | 331.95%-321.5pp | 263.71%-253.3pp | 478.89%-468.4pp |
| Employer contribution / active EE | $2,651 | $5,299-50.0% | $4,831-45.1% | $4,840-45.2% |
| Participant deferral / active EE | $7,049 | $7,752-9.1% | $7,354-4.1% | $6,343+11.1% |
| Admin fee / account holder | $305 | $12,561-97.6% | $10,804-97.2% | $12,316-97.5% |