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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 | $261,625 | $183,516+42.6% | $155,534+68.2% | $145,884+79.3% |
| Participation rate | 75.0% | 82.7%-7.7pp | 78.2%-3.2pp | 80.3%-5.3pp |
| Annual return | 12.97% | 61.43%-48.5pp | 64.92%-51.9pp | 551.85%-538.9pp |
| Employer contribution / active EE | $15,650 | $5,315+194.5% | $4,675+234.8% | $4,662+235.7% |
| Participant deferral / active EE | $15,650 | $6,467+142.0% | $5,630+178.0% | $6,690+133.9% |
| Admin fee / account holder | $83,826 | $19,293+334.5% | $15,900+427.2% | $13,392+525.9% |