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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 | $375,367 | $217,432+72.6% | $185,851+102.0% | $167,553+124.0% |
| Participation rate | 90.0% | 86.1%+3.9pp | 81.7%+8.3pp | 82.1%+7.9pp |
| Annual return | 11.56% | 148.43%-136.9pp | 122.11%-110.5pp | 478.89%-467.3pp |
| Employer contribution / active EE | $35,012 | $5,874+496.0% | $5,168+577.4% | $4,840+623.4% |
| Participant deferral / active EE | $18,299 | $6,357+187.9% | $5,569+228.6% | $6,343+188.5% |
| Admin fee / account holder | $2,454 | $19,820-87.6% | $16,245-84.9% | $12,316-80.1% |