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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 | $289,506 | $165,381+75.1% | $149,730+93.4% | $158,966+82.1% |
| Participation rate | 87.5% | 84.6%+2.9pp | 82.5%+5.0pp | 82.0%+5.5pp |
| Annual return | 17.49% | 348.29%-330.8pp | 276.70%-259.2pp | 302.95%-285.5pp |
| Employer contribution / active EE | $7,273 | $5,104+42.5% | $4,645+56.6% | $4,762+52.7% |
| Participant deferral / active EE | $8,308 | $7,182+15.7% | $6,843+21.4% | $5,983+38.9% |
| Admin fee / account holder | $16,484 | $10,809+52.5% | $9,310+77.1% | $11,250+46.5% |