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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 | $290,721 | $217,432+33.7% | $185,849+56.4% | $167,536+73.5% |
| Participation rate | 85.7% | 86.1%-0.3pp | 81.7%+4.0pp | 82.1%+3.6pp |
| Annual return | 23.03% | 148.42%-125.4pp | 122.10%-99.1pp | 478.82%-455.8pp |
| Employer contribution / active EE | $2,223 | $5,875-62.2% | $5,169-57.0% | $4,839-54.1% |
| Participant deferral / active EE | $7,219 | $6,357+13.6% | $5,569+29.6% | $6,342+13.8% |
| Admin fee / account holder | $22,620 | $19,818+14.1% | $16,244+39.3% | $12,315+83.7% |