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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 | $165,361+60.8% | $149,715+77.6% | $158,950+67.3% |
| Participation rate | 75.0% | 84.6%-9.6pp | 82.5%-7.5pp | 82.0%-7.0pp |
| Annual return | 16.82% | 348.24%-331.4pp | 276.66%-259.8pp | 302.91%-286.1pp |
| Employer contribution / active EE | $14,642 | $5,103+186.9% | $4,645+215.2% | $4,762+207.5% |
| Participant deferral / active EE | $11,476 | $7,182+59.8% | $6,842+67.7% | $5,983+91.8% |
| Admin fee / account holder | $2,407 | $10,808-77.7% | $9,310-74.1% | $11,248-78.6% |