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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 | $330,527 | $217,432+52.0% | $185,849+77.8% | $167,536+97.3% |
| Participation rate | 75.0% | 86.1%-11.1pp | 81.7%-6.7pp | 82.1%-7.1pp |
| Annual return | 13.83% | 148.42%-134.6pp | 122.10%-108.3pp | 478.82%-465.0pp |
| Employer contribution / active EE | $1,776 | $5,875-69.8% | $5,169-65.6% | $4,839-63.3% |
| Participant deferral / active EE | $3,088 | $6,357-51.4% | $5,569-44.6% | $6,342-51.3% |
| Admin fee / account holder | $886 | $19,818-95.5% | $16,244-94.5% | $12,315-92.8% |