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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 | $209,422+26.1% | $178,503+48.0% | $158,982+66.1% |
| Participation rate | 88.9% | 86.4%+2.5pp | 81.9%+7.0pp | 82.0%+6.9pp |
| Annual return | 13.86% | 188.81%-175.0pp | 151.12%-137.3pp | 302.99%-289.1pp |
| Employer contribution / active EE | $1,820 | $5,707-68.1% | $5,011-63.7% | $4,763-61.8% |
| Participant deferral / active EE | $8,044 | $5,955+35.1% | $5,202+54.6% | $5,983+34.4% |
| Admin fee / account holder | $8,276 | $17,079-51.5% | $13,987-40.8% | $11,252-26.5% |