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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 | $310,341 | $132,634+134.0% | $115,768+168.1% | $137,256+126.1% |
| Participation rate | 80.0% | 77.9%+2.1pp | 74.4%+5.6pp | 80.0%0pp |
| Annual return | 13.25% | 160.70%-147.5pp | 100.46%-87.2pp | 220.34%-207.1pp |
| Employer contribution / active EE | $14,788 | $3,360+340.2% | $2,940+403.0% | $4,156+255.8% |
| Participant deferral / active EE | $10,278 | $5,619+82.9% | $4,917+109.0% | $6,407+60.4% |
| Admin fee / account holder | $4,777 | $15,028-68.2% | $12,439-61.6% | $12,270-61.1% |