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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 | $380,049 | $183,592+107.0% | $155,567+144.3% | $145,959+160.4% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 19.45% | 61.24%-41.8pp | 64.74%-45.3pp | 561.95%-542.5pp |
| Employer contribution / active EE | $6,556 | $5,315+23.4% | $4,674+40.3% | $4,661+40.7% |
| Participant deferral / active EE | $6,850 | $6,464+6.0% | $5,628+21.7% | $6,689+2.4% |
| Admin fee / account holder | $1,394 | $19,318-92.8% | $15,916-91.2% | $13,398-89.6% |