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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 | $279,594 | $175,231+59.6% | $149,696+86.8% | $139,466+100.5% |
| Participation rate | 77.8% | 83.4%-5.6pp | 78.8%-1.0pp | 80.3%-2.6pp |
| Annual return | 15.87% | 166.77%-150.9pp | 134.46%-118.6pp | 373.66%-357.8pp |
| Employer contribution / active EE | $7,328 | $5,478+33.8% | $4,821+52.0% | $4,754+54.1% |
| Participant deferral / active EE | $7,292 | $6,521+11.8% | $5,682+28.3% | $6,712+8.6% |
| Admin fee / account holder | $2,782 | $16,155-82.8% | $13,212-78.9% | $11,409-75.6% |