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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 | $286,823 | $175,231+63.7% | $149,696+91.6% | $139,466+105.7% |
| Participation rate | 87.5% | 83.4%+4.1pp | 78.8%+8.7pp | 80.3%+7.2pp |
| Annual return | 18.15% | 166.77%-148.6pp | 134.46%-116.3pp | 373.66%-355.5pp |
| Employer contribution / active EE | $13,478 | $5,478+146.0% | $4,821+179.6% | $4,754+183.5% |
| Participant deferral / active EE | $9,926 | $6,521+52.2% | $5,682+74.7% | $6,712+47.9% |
| Admin fee / account holder | $120,377 | $16,155+645.1% | $13,212+811.1% | $11,409+955.1% |