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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 | $265,957 | $165,381+60.8% | $149,730+77.6% | $158,966+67.3% |
| Participation rate | 75.0% | 84.6%-9.6pp | 82.5%-7.5pp | 82.0%-7.0pp |
| Annual return | 16.82% | 348.29%-331.5pp | 276.70%-259.9pp | 302.95%-286.1pp |
| Employer contribution / active EE | $14,642 | $5,104+186.9% | $4,645+215.2% | $4,762+207.4% |
| Participant deferral / active EE | $11,476 | $7,182+59.8% | $6,843+67.7% | $5,983+91.8% |
| Admin fee / account holder | $2,407 | $10,809-77.7% | $9,310-74.1% | $11,250-78.6% |