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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 | $306,152 | $183,516+66.8% | $155,534+96.8% | $145,884+109.9% |
| Participation rate | 93.3% | 82.7%+10.6pp | 78.2%+15.1pp | 80.3%+13.0pp |
| Annual return | 14.05% | 61.43%-47.4pp | 64.92%-50.9pp | 551.85%-537.8pp |
| Employer contribution / active EE | $9,059 | $5,315+70.5% | $4,675+93.8% | $4,662+94.3% |
| Participant deferral / active EE | $6,789 | $6,467+5.0% | $5,630+20.6% | $6,690+1.5% |
| Admin fee / account holder | $2,056 | $19,293-89.3% | $15,900-87.1% | $13,392-84.7% |