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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 | $125,190+149.7% | $105,624+195.9% | $145,897+114.2% |
| Participation rate | 81.8% | 77.6%+4.2pp | 75.3%+6.5pp | 80.3%+1.5pp |
| Annual return | 10.01% | 225.22%-215.2pp | 116.20%-106.2pp | 552.29%-542.3pp |
| Employer contribution / active EE | $2,930 | $3,720-21.2% | $3,168-7.5% | $4,663-37.2% |
| Participant deferral / active EE | $9,233 | $5,716+61.5% | $5,013+84.2% | $6,689+38.0% |
| Admin fee / account holder | $18,947 | $17,138+10.6% | $10,961+72.9% | $13,390+41.5% |