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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 | $300,105 | $197,625+51.9% | $177,840+68.7% | $158,966+88.8% |
| Participation rate | 91.7% | 88.5%+3.1pp | 87.7%+3.9pp | 82.0%+9.7pp |
| Annual return | 19.07% | 58.76%-39.7pp | 48.32%-29.3pp | 302.95%-283.9pp |
| Employer contribution / active EE | $11,510 | $6,698+71.8% | $5,919+94.5% | $4,762+141.7% |
| Participant deferral / active EE | $0 | $8,405-100.0% | $7,714-100.0% | $5,983-100.0% |
| Admin fee / account holder | $8,860 | $15,405-42.5% | $12,431-28.7% | $11,250-21.2% |