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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 | $335,754 | $180,466+86.0% | $154,114+117.9% | $135,382+148.0% |
| Participation rate | 81.8% | 87.4%-5.6pp | 83.0%-1.2pp | 82.6%-0.8pp |
| Annual return | 14.95% | 888.15%-873.2pp | 735.16%-720.2pp | 519.77%-504.8pp |
| Employer contribution / active EE | $2,737 | $6,035-54.6% | $5,298-48.3% | $4,779-42.7% |
| Participant deferral / active EE | $10,414 | $5,806+79.4% | $5,081+105.0% | $5,609+85.7% |
| Admin fee / account holder | $16,409 | $16,144+1.6% | $13,411+22.4% | $10,829+51.5% |