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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 | $291,266 | $202,342+43.9% | $172,752+68.6% | $152,897+90.5% |
| Participation rate | 75.0% | 87.1%-12.1pp | 82.6%-7.6pp | 82.5%-7.5pp |
| Annual return | 23.34% | 1029.83%-1006.5pp | 802.97%-779.6pp | 345.43%-322.1pp |
| Employer contribution / active EE | $2,007 | $5,858-65.7% | $5,144-61.0% | $4,764-57.9% |
| Participant deferral / active EE | $12,192 | $5,948+105.0% | $5,198+134.6% | $5,851+108.4% |
| Admin fee / account holder | $4,816 | $17,111-71.9% | $13,955-65.5% | $11,599-58.5% |