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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 | $264,110 | $209,405+26.1% | $178,486+48.0% | $158,931+66.2% |
| Participation rate | 88.9% | 86.4%+2.5pp | 81.9%+7.0pp | 82.0%+6.9pp |
| Annual return | 13.86% | 188.77%-174.9pp | 151.08%-137.2pp | 302.86%-289.0pp |
| Employer contribution / active EE | $1,820 | $5,707-68.1% | $5,011-63.7% | $4,761-61.8% |
| Participant deferral / active EE | $8,044 | $5,954+35.1% | $5,202+54.6% | $5,982+34.5% |
| Admin fee / account holder | $8,276 | $17,076-51.5% | $13,985-40.8% | $11,247-26.4% |