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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 | $302,443 | $171,492+76.4% | $150,734+100.6% | $198,609+52.3% |
| Participation rate | 83.3% | 81.4%+1.9pp | 78.4%+4.9pp | 82.4%+1.0pp |
| Annual return | 19.60% | 804.70%-785.1pp | 600.81%-581.2pp | 202.70%-183.1pp |
| Employer contribution / active EE | $2,875 | $5,470-47.4% | $4,918-41.5% | $5,055-43.1% |
| Participant deferral / active EE | $14,404 | $6,259+130.1% | $5,610+156.8% | $6,977+106.5% |
| Admin fee / account holder | $3,018 | $17,628-82.9% | $14,905-79.8% | $19,030-84.1% |