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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 | $309,868 | $198,457+56.1% | $170,435+81.8% | $147,586+110.0% |
| Participation rate | 91.7% | 88.0%+3.7pp | 83.6%+8.1pp | 82.8%+8.8pp |
| Annual return | 24.47% | 257.30%-232.8pp | 205.94%-181.5pp | 578.59%-554.1pp |
| Employer contribution / active EE | $1,488 | $6,183-75.9% | $5,432-72.6% | $4,876-69.5% |
| Participant deferral / active EE | $6,713 | $5,629+19.3% | $4,939+35.9% | $5,439+23.4% |
| Admin fee / account holder | $4,297 | $16,852-74.5% | $13,881-69.0% | $10,886-60.5% |