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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 | $309,237 | $144,130+114.6% | $117,861+162.4% | $147,586+109.5% |
| Participation rate | 77.8% | 83.4%-5.6pp | 79.7%-1.9pp | 82.8%-5.1pp |
| Annual return | 14.25% | 531.20%-516.9pp | 335.11%-320.9pp | 578.59%-564.3pp |
| Employer contribution / active EE | $7,628 | $4,897+55.8% | $3,786+101.5% | $4,876+56.4% |
| Participant deferral / active EE | $9,759 | $5,316+83.6% | $4,482+117.7% | $5,439+79.4% |
| Admin fee / account holder | $6,403 | $10,887-41.2% | $8,021-20.2% | $10,886-41.2% |