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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 | $175,231+46.6% | $149,696+71.6% | $139,466+84.2% |
| Participation rate | 87.5% | 83.4%+4.1pp | 78.8%+8.7pp | 80.3%+7.2pp |
| Annual return | 14.80% | 166.77%-152.0pp | 134.46%-119.7pp | 373.66%-358.9pp |
| Employer contribution / active EE | $11,467 | $5,478+109.3% | $4,821+137.9% | $4,754+141.2% |
| Participant deferral / active EE | $7,953 | $6,521+22.0% | $5,682+40.0% | $6,712+18.5% |
| Admin fee / account holder | $958 | $16,155-94.1% | $13,212-92.7% | $11,409-91.6% |