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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 | $323,758 | $209,422+54.6% | $178,503+81.4% | $158,982+103.6% |
| Participation rate | 83.3% | 86.4%-3.0pp | 81.9%+1.4pp | 82.0%+1.4pp |
| Annual return | 13.95% | 188.81%-174.9pp | 151.12%-137.2pp | 302.99%-289.0pp |
| Employer contribution / active EE | $9,285 | $5,707+62.7% | $5,011+85.3% | $4,763+95.0% |
| Participant deferral / active EE | $9,872 | $5,955+65.8% | $5,202+89.8% | $5,983+65.0% |
| Admin fee / account holder | $4,272 | $17,079-75.0% | $13,987-69.5% | $11,252-62.0% |