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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 | $294,309 | $152,592+92.9% | $125,180+135.1% | $152,885+92.5% |
| Participation rate | 90.9% | 83.3%+7.6pp | 79.8%+11.1pp | 82.5%+8.5pp |
| Annual return | 27.82% | 54.84%-27.0pp | 43.79%-16.0pp | 345.39%-317.6pp |
| Employer contribution / active EE | $4,811 | $4,947-2.7% | $3,866+24.4% | $4,763+1.0% |
| Participant deferral / active EE | $14,494 | $5,868+147.0% | $4,937+193.6% | $5,851+147.7% |
| Admin fee / account holder | $14,218 | $13,435+5.8% | $9,703+46.5% | $11,598+22.6% |