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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 | $312,444 | $166,268+87.9% | $165,100+89.2% | $145,897+114.2% |
| Participation rate | 82.4% | 82.0%+0.3pp | 78.6%+3.7pp | 80.3%+2.0pp |
| Annual return | 14.27% | 100.52%-86.2pp | 70.21%-55.9pp | 552.29%-538.0pp |
| Employer contribution / active EE | $9,144 | $5,284+73.1% | $4,348+110.3% | $4,663+96.1% |
| Participant deferral / active EE | $8,830 | $6,964+26.8% | $6,035+46.3% | $6,689+32.0% |
| Admin fee / account holder | $14,179 | $16,659-14.9% | $12,696+11.7% | $13,390+5.9% |