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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 | $271,242 | $70,366+285.5% | $66,674+306.8% | $138,895+95.3% |
| Participation rate | 91.7% | 76.2%+15.5pp | 73.7%+18.0pp | 79.9%+11.7pp |
| Annual return | 14.73% | 386.41%-371.7pp | 321.24%-306.5pp | 145.39%-130.7pp |
| Employer contribution / active EE | $2,656 | $2,765-4.0% | $2,620+1.4% | $4,194-36.7% |
| Participant deferral / active EE | $2,918 | $4,374-33.3% | $4,084-28.5% | $6,396-54.4% |
| Admin fee / account holder | $1,852 | $5,262-64.8% | $5,098-63.7% | $12,562-85.3% |