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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 | $256,951 | $175,257+46.6% | $149,717+71.6% | $139,456+84.3% |
| Participation rate | 87.5% | 83.4%+4.1pp | 78.8%+8.7pp | 80.3%+7.2pp |
| Annual return | 14.80% | 166.70%-151.9pp | 134.41%-119.6pp | 373.45%-358.7pp |
| Employer contribution / active EE | $11,467 | $5,477+109.4% | $4,820+137.9% | $4,753+141.3% |
| Participant deferral / active EE | $7,953 | $6,521+22.0% | $5,682+40.0% | $6,711+18.5% |
| Admin fee / account holder | $958 | $16,156-94.1% | $13,213-92.7% | $11,407-91.6% |