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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 | $364,699 | $176,120+107.1% | $159,487+128.7% | $167,553+117.7% |
| Participation rate | 80.0% | 85.0%-5.0pp | 82.8%-2.8pp | 82.1%-2.1pp |
| Annual return | 20.64% | 331.95%-311.3pp | 263.71%-243.1pp | 478.89%-458.3pp |
| Employer contribution / active EE | $3,858 | $5,299-27.2% | $4,831-20.1% | $4,840-20.3% |
| Participant deferral / active EE | $13,053 | $7,752+68.4% | $7,354+77.5% | $6,343+105.8% |
| Admin fee / account holder | $2,504 | $12,561-80.1% | $10,804-76.8% | $12,316-79.7% |