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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 | $311,341 | $209,422+48.7% | $178,503+74.4% | $158,982+95.8% |
| Participation rate | 90.9% | 86.4%+4.6pp | 81.9%+9.0pp | 82.0%+8.9pp |
| Annual return | 11.41% | 188.81%-177.4pp | 151.12%-139.7pp | 302.99%-291.6pp |
| Employer contribution / active EE | $1,513 | $5,707-73.5% | $5,011-69.8% | $4,763-68.2% |
| Participant deferral / active EE | $5,769 | $5,955-3.1% | $5,202+10.9% | $5,983-3.6% |
| Admin fee / account holder | $357 | $17,079-97.9% | $13,987-97.4% | $11,252-96.8% |