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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 | $280,599 | $176,105+59.3% | $159,474+76.0% | $167,536+67.5% |
| Participation rate | 85.7% | 85.0%+0.8pp | 82.8%+2.9pp | 82.1%+3.6pp |
| Annual return | 15.44% | 331.91%-316.5pp | 263.68%-248.2pp | 478.82%-463.4pp |
| Employer contribution / active EE | $3,207 | $5,299-39.5% | $4,831-33.6% | $4,839-33.7% |
| Participant deferral / active EE | $12,961 | $7,751+67.2% | $7,353+76.3% | $6,342+104.4% |
| Admin fee / account holder | $384 | $12,559-96.9% | $10,802-96.4% | $12,315-96.9% |