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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 | $278,653 | $176,105+58.2% | $159,474+74.7% | $167,536+66.3% |
| Participation rate | 91.7% | 85.0%+6.7pp | 82.8%+8.8pp | 82.1%+9.6pp |
| Annual return | 10.54% | 331.91%-321.4pp | 263.68%-253.1pp | 478.82%-468.3pp |
| Employer contribution / active EE | $6,190 | $5,299+16.8% | $4,831+28.1% | $4,839+27.9% |
| Participant deferral / active EE | $7,892 | $7,751+1.8% | $7,353+7.3% | $6,342+24.4% |
| Admin fee / account holder | $5,967 | $12,559-52.5% | $10,802-44.8% | $12,315-51.5% |