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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 | $329,255 | $183,592+79.3% | $155,574+111.6% | $145,877+125.7% |
| Participation rate | 82.4% | 82.7%-0.3pp | 78.2%+4.1pp | 80.3%+2.1pp |
| Annual return | 59.91% | 61.37%-1.5pp | 64.87%-5.0pp | 551.28%-491.4pp |
| Employer contribution / active EE | $7,237 | $5,317+36.1% | $4,676+54.8% | $4,663+55.2% |
| Participant deferral / active EE | $8,414 | $6,466+30.1% | $5,629+49.5% | $6,691+25.8% |
| Admin fee / account holder | $399 | $19,316-97.9% | $15,914-97.5% | $13,402-97.0% |