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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 | $388,657 | $175,231+121.8% | $149,696+159.6% | $139,466+178.7% |
| Participation rate | 73.7% | 83.4%-9.7pp | 78.8%-5.1pp | 80.3%-6.6pp |
| Annual return | 13.96% | 166.77%-152.8pp | 134.46%-120.5pp | 373.66%-359.7pp |
| Employer contribution / active EE | $10,820 | $5,478+97.5% | $4,821+124.4% | $4,754+127.6% |
| Participant deferral / active EE | $9,917 | $6,521+52.1% | $5,682+74.5% | $6,712+47.8% |
| Admin fee / account holder | $2,498 | $16,155-84.5% | $13,212-81.1% | $11,409-78.1% |