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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 | $312,556 | $125,237+149.6% | $105,608+196.0% | $145,877+114.3% |
| Participation rate | 81.8% | 77.7%+4.2pp | 75.3%+6.5pp | 80.3%+1.5pp |
| Annual return | 10.01% | 225.76%-215.8pp | 116.50%-106.5pp | 551.28%-541.3pp |
| Employer contribution / active EE | $2,930 | $3,720-21.2% | $3,167-7.5% | $4,663-37.2% |
| Participant deferral / active EE | $9,233 | $5,711+61.7% | $5,010+84.3% | $6,691+38.0% |
| Admin fee / account holder | $18,947 | $17,287+9.6% | $11,028+71.8% | $13,402+41.4% |