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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 | $176,077+58.3% | $159,455+74.8% | $167,518+66.3% |
| Participation rate | 91.7% | 84.9%+6.7pp | 82.8%+8.8pp | 82.1%+9.6pp |
| Annual return | 10.54% | 331.83%-321.3pp | 263.63%-253.1pp | 478.71%-468.2pp |
| Employer contribution / active EE | $6,190 | $5,298+16.8% | $4,830+28.2% | $4,838+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 | $12,556-52.5% | $10,800-44.8% | $12,312-51.5% |