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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 | $380,159 | $166,131+128.8% | $164,975+130.4% | $145,877+160.6% |
| Participation rate | 92.3% | 82.0%+10.3pp | 78.6%+13.7pp | 80.3%+12.0pp |
| Annual return | 12.81% | 100.37%-87.6pp | 70.12%-57.3pp | 551.28%-538.5pp |
| Employer contribution / active EE | $5,757 | $5,276+9.1% | $4,343+32.6% | $4,663+23.5% |
| Participant deferral / active EE | $14,929 | $6,962+114.4% | $6,033+147.4% | $6,691+123.1% |
| Admin fee / account holder | $8,508 | $16,648-48.9% | $12,688-32.9% | $13,402-36.5% |