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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 | $261,769 | $176,105+48.6% | $159,474+64.1% | $167,536+56.2% |
| Participation rate | 93.8% | 85.0%+8.8pp | 82.8%+10.9pp | 82.1%+11.6pp |
| Annual return | 13.97% | 331.91%-317.9pp | 263.68%-249.7pp | 478.82%-464.8pp |
| Employer contribution / active EE | $1,726 | $5,299-67.4% | $4,831-64.3% | $4,839-64.3% |
| Participant deferral / active EE | $10,481 | $7,751+35.2% | $7,353+42.5% | $6,342+65.3% |
| Admin fee / account holder | $2,892 | $12,559-77.0% | $10,802-73.2% | $12,315-76.5% |