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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 | $289,789 | $202,326+43.2% | $172,745+67.8% | $152,870+89.6% |
| Participation rate | 71.4% | 87.1%-15.6pp | 82.6%-11.2pp | 82.4%-11.0pp |
| Annual return | 24.39% | 1029.72%-1005.3pp | 802.90%-778.5pp | 345.34%-321.0pp |
| Employer contribution / active EE | $2,057 | $5,858-64.9% | $5,144-60.0% | $4,763-56.8% |
| Participant deferral / active EE | $8,929 | $5,948+50.1% | $5,197+71.8% | $5,850+52.6% |
| Admin fee / account holder | $4,560 | $17,110-73.3% | $13,954-67.3% | $11,597-60.7% |