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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 | $309,740 | $209,428+47.9% | $178,498+73.5% | $158,950+94.9% |
| Participation rate | 88.9% | 86.4%+2.5pp | 81.9%+7.0pp | 82.0%+6.9pp |
| Annual return | 16.84% | 188.78%-171.9pp | 151.09%-134.3pp | 302.91%-286.1pp |
| Employer contribution / active EE | $3,845 | $5,707-32.6% | $5,011-23.3% | $4,762-19.3% |
| Participant deferral / active EE | $4,321 | $5,955-27.4% | $5,202-16.9% | $5,983-27.8% |
| Admin fee / account holder | $3,319 | $17,077-80.6% | $13,985-76.3% | $11,248-70.5% |