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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 | $327,421 | $217,432+50.6% | $185,849+76.2% | $167,536+95.4% |
| Participation rate | 83.3% | 86.1%-2.7pp | 81.7%+1.6pp | 82.1%+1.2pp |
| Annual return | 12.38% | 148.42%-136.0pp | 122.10%-109.7pp | 478.82%-466.4pp |
| Employer contribution / active EE | $8,620 | $5,875+46.7% | $5,169+66.8% | $4,839+78.1% |
| Participant deferral / active EE | $8,606 | $6,357+35.4% | $5,569+54.5% | $6,342+35.7% |
| Admin fee / account holder | $3,968 | $19,818-80.0% | $16,244-75.6% | $12,315-67.8% |