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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 | $431,353 | $183,539+135.0% | $155,556+177.3% | $145,897+195.7% |
| Participation rate | 71.4% | 82.7%-11.3pp | 78.2%-6.8pp | 80.3%-8.9pp |
| Annual return | 17.30% | 61.31%-44.0pp | 64.84%-47.5pp | 552.29%-535.0pp |
| Employer contribution / active EE | $7,591 | $5,315+42.8% | $4,675+62.3% | $4,663+62.8% |
| Participant deferral / active EE | $9,346 | $6,467+44.5% | $5,631+66.0% | $6,689+39.7% |
| Admin fee / account holder | $3,899 | $19,275-79.8% | $15,885-75.5% | $13,390-70.9% |