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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 | $353,372 | $183,516+92.6% | $155,534+127.2% | $145,884+142.2% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 11.31% | 61.43%-50.1pp | 64.92%-53.6pp | 551.85%-540.5pp |
| Employer contribution / active EE | $7,714 | $5,315+45.2% | $4,675+65.0% | $4,662+65.5% |
| Participant deferral / active EE | $7,611 | $6,467+17.7% | $5,630+35.2% | $6,690+13.8% |
| Admin fee / account holder | $2,747 | $19,293-85.8% | $15,900-82.7% | $13,392-79.5% |