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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 | $273,974 | $105,145+160.6% | $94,664+189.4% | $139,466+96.4% |
| Participation rate | 87.5% | 82.4%+5.1pp | 80.8%+6.7pp | 80.3%+7.2pp |
| Annual return | 18.02% | 38.09%-20.1pp | 156.84%-138.8pp | 373.66%-355.6pp |
| Employer contribution / active EE | $4,782 | $4,107+16.4% | $3,673+30.2% | $4,754+0.6% |
| Participant deferral / active EE | $13,369 | $7,599+75.9% | $7,417+80.2% | $6,712+99.2% |
| Admin fee / account holder | $1,457 | $8,972-83.8% | $7,222-79.8% | $11,409-87.2% |