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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 | $270,365 | $184,000+46.9% | $162,185+66.7% | $152,909+76.8% |
| Participation rate | 77.3% | 88.5%-11.2pp | 87.6%-10.3pp | 82.5%-5.2pp |
| Annual return | 21.41% | 150.80%-129.4pp | 115.61%-94.2pp | 345.46%-324.1pp |
| Employer contribution / active EE | $7,312 | $6,370+14.8% | $5,613+30.3% | $4,764+53.5% |
| Participant deferral / active EE | $13,343 | $8,033+66.1% | $7,297+82.9% | $5,851+128.0% |
| Admin fee / account holder | $1,081 | $13,124-91.8% | $10,844-90.0% | $11,601-90.7% |