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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 | $279,250 | $172,111+62.3% | $150,298+85.8% | $137,256+103.5% |
| Participation rate | 95.5% | 81.7%+13.7pp | 77.8%+17.7pp | 80.0%+15.5pp |
| Annual return | 14.62% | 69.37%-54.8pp | 62.79%-48.2pp | 220.34%-205.7pp |
| Employer contribution / active EE | $8,636 | $4,636+86.3% | $4,154+107.9% | $4,156+107.8% |
| Participant deferral / active EE | $7,171 | $6,166+16.3% | $5,453+31.5% | $6,407+11.9% |
| Admin fee / account holder | $9,890 | $16,471-40.0% | $14,116-29.9% | $12,270-19.4% |