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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 | $299,188 | $148,629+101.3% | $135,982+120.0% | $139,487+114.5% |
| Participation rate | 80.0% | 83.9%-3.9pp | 81.9%-1.9pp | 80.3%-0.3pp |
| Annual return | 17.21% | 79.33%-62.1pp | 68.32%-51.1pp | 373.84%-356.6pp |
| Employer contribution / active EE | $14,676 | $5,247+179.7% | $4,859+202.0% | $4,755+208.7% |
| Participant deferral / active EE | $11,173 | $8,102+37.9% | $7,760+44.0% | $6,713+66.4% |
| Admin fee / account holder | $19,033 | $12,406+53.4% | $10,767+76.8% | $11,407+66.8% |