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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 | $361,886 | $180,749+100.2% | $160,784+125.1% | $137,256+163.7% |
| Participation rate | 85.7% | 80.0%+5.7pp | 77.0%+8.8pp | 80.0%+5.8pp |
| Annual return | 20.44% | 2234.46%-2214.0pp | 1803.92%-1783.5pp | 220.34%-199.9pp |
| Employer contribution / active EE | $4,119 | $4,155-0.9% | $3,733+10.3% | $4,156-0.9% |
| Participant deferral / active EE | $10,292 | $6,844+50.4% | $6,293+63.5% | $6,407+60.6% |
| Admin fee / account holder | $1,925 | $10,397-81.5% | $9,717-80.2% | $12,270-84.3% |