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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 | $275,523 | $178,174+54.6% | $156,181+76.4% | $137,256+100.7% |
| Participation rate | 83.3% | 82.0%+1.3pp | 78.8%+4.5pp | 80.0%+3.4pp |
| Annual return | 11.71% | 84.19%-72.5pp | 64.87%-53.2pp | 220.34%-208.6pp |
| Employer contribution / active EE | $7,511 | $4,972+51.1% | $4,294+74.9% | $4,156+80.7% |
| Participant deferral / active EE | $11,553 | $6,888+67.7% | $6,132+88.4% | $6,407+80.3% |
| Admin fee / account holder | $46,688 | $17,404+168.3% | $14,586+220.1% | $12,270+280.5% |