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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 | $299,667 | $108,922+175.1% | $100,398+198.5% | $145,978+105.3% |
| Participation rate | 90.0% | 83.0%+7.0pp | 81.5%+8.5pp | 80.3%+9.7pp |
| Annual return | 12.13% | 58.04%-45.9pp | 49.32%-37.2pp | 550.52%-538.4pp |
| Employer contribution / active EE | $10,749 | $4,426+142.9% | $3,946+172.4% | $4,662+130.6% |
| Participant deferral / active EE | $6,878 | $8,450-18.6% | $8,084-14.9% | $6,690+2.8% |
| Admin fee / account holder | $5,086 | $9,680-47.5% | $7,893-35.6% | $13,400-62.0% |