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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 | $316,167 | $134,817+134.5% | $123,973+155.0% | $155,188+103.7% |
| Participation rate | 75.0% | 79.4%-4.4pp | 76.7%-1.7pp | 80.8%-5.8pp |
| Annual return | 33.26% | 515.49%-482.2pp | 388.13%-354.9pp | 148.84%-115.6pp |
| Employer contribution / active EE | $1,825 | $4,425-58.8% | $4,126-55.8% | $4,248-57.0% |
| Participant deferral / active EE | $10,399 | $5,706+82.2% | $5,247+98.2% | $6,531+59.2% |
| Admin fee / account holder | $914 | $13,245-93.1% | $11,799-92.3% | $14,480-93.7% |