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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 | $261,656 | $148,629+76.0% | $135,982+92.4% | $139,487+87.6% |
| Participation rate | 83.3% | 83.9%-0.5pp | 81.9%+1.4pp | 80.3%+3.0pp |
| Annual return | 13.25% | 79.33%-66.1pp | 68.32%-55.1pp | 373.84%-360.6pp |
| Employer contribution / active EE | $2,875 | $5,247-45.2% | $4,859-40.8% | $4,755-39.5% |
| Participant deferral / active EE | $10,774 | $8,102+33.0% | $7,760+38.8% | $6,713+60.5% |
| Admin fee / account holder | $132,155 | $12,406+965.2% | $10,767+1127.4% | $11,407+1058.5% |