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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 | $270,051 | $175,259+54.1% | $149,723+80.4% | $139,487+93.6% |
| Participation rate | 92.3% | 83.4%+8.9pp | 78.8%+13.5pp | 80.3%+12.0pp |
| Annual return | 19.61% | 166.82%-147.2pp | 134.50%-114.9pp | 373.84%-354.2pp |
| Employer contribution / active EE | $8,848 | $5,478+61.5% | $4,821+83.5% | $4,755+86.1% |
| Participant deferral / active EE | $11,919 | $6,522+82.8% | $5,682+109.7% | $6,713+77.6% |
| Admin fee / account holder | $9,349 | $16,158-42.1% | $13,215-29.3% | $11,407-18.0% |