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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 | $293,048 | $202,326+44.8% | $172,745+69.6% | $152,870+91.7% |
| Participation rate | 90.0% | 87.1%+2.9pp | 82.6%+7.4pp | 82.4%+7.6pp |
| Annual return | 12.82% | 1029.72%-1016.9pp | 802.90%-790.1pp | 345.34%-332.5pp |
| Employer contribution / active EE | $0 | $5,858-100.0% | $5,144-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $2,584 | $5,948-56.6% | $5,197-50.3% | $5,850-55.8% |
| Admin fee / account holder | $9,642 | $17,110-43.6% | $13,954-30.9% | $11,597-16.9% |