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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 | $254,579 | $209,428+21.6% | $178,498+42.6% | $158,950+60.2% |
| Participation rate | 83.3% | 86.4%-3.0pp | 81.9%+1.4pp | 82.0%+1.4pp |
| Annual return | 15.74% | 188.78%-173.0pp | 151.09%-135.4pp | 302.91%-287.2pp |
| Employer contribution / active EE | $8,257 | $5,707+44.7% | $5,011+64.8% | $4,762+73.4% |
| Participant deferral / active EE | $6,767 | $5,955+13.6% | $5,202+30.1% | $5,983+13.1% |
| Admin fee / account holder | $3,602 | $17,077-78.9% | $13,985-74.2% | $11,248-68.0% |