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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 | $324,256 | $227,633+42.4% | $189,597+71.0% | $167,553+93.5% |
| Participation rate | 88.9% | 82.5%+6.4pp | 78.4%+10.4pp | 82.1%+6.8pp |
| Annual return | 15.00% | 78.45%-63.5pp | 64.20%-49.2pp | 478.89%-463.9pp |
| Employer contribution / active EE | $5,037 | $5,317-5.3% | $4,412+14.2% | $4,840+4.1% |
| Participant deferral / active EE | $12,768 | $7,003+82.3% | $6,174+106.8% | $6,343+101.3% |
| Admin fee / account holder | $660 | $11,879-94.4% | $9,807-93.3% | $12,316-94.6% |