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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 | $317,459 | $209,428+51.6% | $178,498+77.8% | $158,950+99.7% |
| Participation rate | 83.3% | 86.4%-3.0pp | 81.9%+1.4pp | 82.0%+1.4pp |
| Annual return | 24.92% | 188.78%-163.9pp | 151.09%-126.2pp | 302.91%-278.0pp |
| Employer contribution / active EE | $8,827 | $5,707+54.7% | $5,011+76.1% | $4,762+85.4% |
| Participant deferral / active EE | $6,180 | $5,955+3.8% | $5,202+18.8% | $5,983+3.3% |
| Admin fee / account holder | $1,337 | $17,077-92.2% | $13,985-90.4% | $11,248-88.1% |