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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 | $273,849 | $208,088+31.6% | $186,193+47.1% | $154,746+77.0% |
| Participation rate | 91.7% | 80.0%+11.7pp | 77.1%+14.6pp | 80.7%+11.0pp |
| Annual return | 15.99% | 89.97%-74.0pp | 78.03%-62.0pp | 172.34%-156.3pp |
| Employer contribution / active EE | $13,423 | $4,340+209.3% | $3,918+242.6% | $4,379+206.5% |
| Participant deferral / active EE | $15,613 | $7,078+120.6% | $6,513+139.7% | $6,730+132.0% |
| Admin fee / account holder | $5,964 | $11,698-49.0% | $11,058-46.1% | $14,365-58.5% |