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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 | $265,037 | $198,457+33.5% | $170,435+55.5% | $147,586+79.6% |
| Participation rate | 90.9% | 88.0%+2.9pp | 83.6%+7.3pp | 82.8%+8.1pp |
| Annual return | 23.40% | 257.30%-233.9pp | 205.94%-182.5pp | 578.59%-555.2pp |
| Employer contribution / active EE | $6,585 | $6,183+6.5% | $5,432+21.2% | $4,876+35.0% |
| Participant deferral / active EE | $7,304 | $5,629+29.8% | $4,939+47.9% | $5,439+34.3% |
| Admin fee / account holder | $18,723 | $16,852+11.1% | $13,881+34.9% | $10,886+72.0% |