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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 | $347,520 | $175,231+98.3% | $149,696+132.2% | $139,466+149.2% |
| Participation rate | 71.4% | 83.4%-12.0pp | 78.8%-7.3pp | 80.3%-8.9pp |
| Annual return | 19.46% | 166.77%-147.3pp | 134.46%-115.0pp | 373.66%-354.2pp |
| Employer contribution / active EE | $7,259 | $5,478+32.5% | $4,821+50.6% | $4,754+52.7% |
| Participant deferral / active EE | $9,201 | $6,521+41.1% | $5,682+61.9% | $6,712+37.1% |
| Admin fee / account holder | $3,092 | $16,155-80.9% | $13,212-76.6% | $11,409-72.9% |