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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 | $282,047 | $198,457+42.1% | $170,435+65.5% | $147,586+91.1% |
| Participation rate | 92.9% | 88.0%+4.9pp | 83.6%+9.3pp | 82.8%+10.0pp |
| Annual return | 11.29% | 257.30%-246.0pp | 205.94%-194.6pp | 578.59%-567.3pp |
| Employer contribution / active EE | $4,891 | $6,183-20.9% | $5,432-10.0% | $4,876+0.3% |
| Participant deferral / active EE | $3,043 | $5,629-45.9% | $4,939-38.4% | $5,439-44.0% |
| Admin fee / account holder | $8,141 | $16,852-51.7% | $13,881-41.4% | $10,886-25.2% |