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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 | $301,206 | $183,592+64.1% | $155,574+93.6% | $145,877+106.5% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 12.47% | 61.37%-48.9pp | 64.87%-52.4pp | 551.28%-538.8pp |
| Employer contribution / active EE | $9,534 | $5,317+79.3% | $4,676+103.9% | $4,663+104.5% |
| Participant deferral / active EE | $8,490 | $6,466+31.3% | $5,629+50.8% | $6,691+26.9% |
| Admin fee / account holder | $6,333 | $19,316-67.2% | $15,914-60.2% | $13,402-52.7% |