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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 | $328,905 | $165,381+98.9% | $149,730+119.7% | $158,966+106.9% |
| Participation rate | 90.9% | 84.6%+6.3pp | 82.5%+8.4pp | 82.0%+8.9pp |
| Annual return | 14.53% | 348.29%-333.8pp | 276.70%-262.2pp | 302.95%-288.4pp |
| Employer contribution / active EE | $3,568 | $5,104-30.1% | $4,645-23.2% | $4,762-25.1% |
| Participant deferral / active EE | $6,246 | $7,182-13.0% | $6,843-8.7% | $5,983+4.4% |
| Admin fee / account holder | $3,679 | $10,809-66.0% | $9,310-60.5% | $11,250-67.3% |