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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 | $372,429 | $184,000+102.4% | $162,185+129.6% | $152,909+143.6% |
| Participation rate | 73.3% | 88.5%-15.2pp | 87.6%-14.2pp | 82.5%-9.1pp |
| Annual return | 18.40% | 150.80%-132.4pp | 115.61%-97.2pp | 345.46%-327.1pp |
| Employer contribution / active EE | $7,023 | $6,370+10.3% | $5,613+25.1% | $4,764+47.4% |
| Participant deferral / active EE | $7,002 | $8,033-12.8% | $7,297-4.0% | $5,851+19.7% |
| Admin fee / account holder | $8,511 | $13,124-35.2% | $10,844-21.5% | $11,601-26.6% |