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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 | $329,129 | $183,516+79.3% | $155,534+111.6% | $145,884+125.6% |
| Participation rate | 90.9% | 82.7%+8.2pp | 78.2%+12.7pp | 80.3%+10.6pp |
| Annual return | 10.64% | 61.43%-50.8pp | 64.92%-54.3pp | 551.85%-541.2pp |
| Employer contribution / active EE | $6,186 | $5,315+16.4% | $4,675+32.3% | $4,662+32.7% |
| Participant deferral / active EE | $5,904 | $6,467-8.7% | $5,630+4.9% | $6,690-11.8% |
| Admin fee / account holder | $16,417 | $19,293-14.9% | $15,900+3.3% | $13,392+22.6% |