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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 | $284,149 | $217,432+30.7% | $185,849+52.9% | $167,536+69.6% |
| Participation rate | 100.0% | 86.1%+13.9pp | 81.7%+18.3pp | 82.1%+17.9pp |
| Annual return | 12.73% | 148.42%-135.7pp | 122.10%-109.4pp | 478.82%-466.1pp |
| Employer contribution / active EE | $3,289 | $5,875-44.0% | $5,169-36.4% | $4,839-32.0% |
| Participant deferral / active EE | $9,925 | $6,357+56.1% | $5,569+78.2% | $6,342+56.5% |
| Admin fee / account holder | $2,748 | $19,818-86.1% | $16,244-83.1% | $12,315-77.7% |