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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 | $340,481 | $209,422+62.6% | $178,503+90.7% | $158,982+114.2% |
| Participation rate | 94.1% | 86.4%+7.8pp | 81.9%+12.2pp | 82.0%+12.2pp |
| Annual return | 13.07% | 188.81%-175.7pp | 151.12%-138.0pp | 302.99%-289.9pp |
| Employer contribution / active EE | $16,156 | $5,707+183.1% | $5,011+222.4% | $4,763+239.2% |
| Participant deferral / active EE | $10,283 | $5,955+72.7% | $5,202+97.7% | $5,983+71.9% |
| Admin fee / account holder | $5,389 | $17,079-68.4% | $13,987-61.5% | $11,252-52.1% |