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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 | $382,753 | $148,623+157.5% | $135,974+181.5% | $139,466+174.4% |
| Participation rate | 83.3% | 83.9%-0.5pp | 81.9%+1.4pp | 80.3%+3.0pp |
| Annual return | 41.24% | 79.30%-38.1pp | 68.30%-27.1pp | 373.66%-332.4pp |
| Employer contribution / active EE | $9,661 | $5,246+84.1% | $4,859+98.8% | $4,754+103.2% |
| Participant deferral / active EE | $12,326 | $8,103+52.1% | $7,760+58.8% | $6,712+83.6% |
| Admin fee / account holder | $1,996 | $12,406-83.9% | $10,767-81.5% | $11,409-82.5% |