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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 | $337,029 | $176,105+91.4% | $159,474+111.3% | $167,536+101.2% |
| Participation rate | 85.7% | 85.0%+0.8pp | 82.8%+2.9pp | 82.1%+3.6pp |
| Annual return | 10.11% | 331.91%-321.8pp | 263.68%-253.6pp | 478.82%-468.7pp |
| Employer contribution / active EE | $2,096 | $5,299-60.4% | $4,831-56.6% | $4,839-56.7% |
| Participant deferral / active EE | $8,081 | $7,751+4.2% | $7,353+9.9% | $6,342+27.4% |
| Admin fee / account holder | $1,572 | $12,559-87.5% | $10,802-85.4% | $12,315-87.2% |