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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 | $281,499 | $183,539+53.4% | $155,556+81.0% | $145,897+92.9% |
| Participation rate | 93.3% | 82.7%+10.6pp | 78.2%+15.1pp | 80.3%+13.0pp |
| Annual return | 11.38% | 61.31%-49.9pp | 64.84%-53.5pp | 552.29%-540.9pp |
| Employer contribution / active EE | $4,517 | $5,315-15.0% | $4,675-3.4% | $4,663-3.1% |
| Participant deferral / active EE | $10,977 | $6,467+69.7% | $5,631+94.9% | $6,689+64.1% |
| Admin fee / account holder | $20,973 | $19,275+8.8% | $15,885+32.0% | $13,390+56.6% |