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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 | $305,107 | $148,623+105.3% | $135,974+124.4% | $139,466+118.8% |
| Participation rate | 90.9% | 83.9%+7.0pp | 81.9%+9.0pp | 80.3%+10.6pp |
| Annual return | 19.38% | 79.30%-59.9pp | 68.30%-48.9pp | 373.66%-354.3pp |
| Employer contribution / active EE | $9,054 | $5,246+72.6% | $4,859+86.3% | $4,754+90.5% |
| Participant deferral / active EE | $21,142 | $8,103+160.9% | $7,760+172.5% | $6,712+215.0% |
| Admin fee / account holder | $12,146 | $12,406-2.1% | $10,767+12.8% | $11,409+6.5% |