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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 | $262,629 | $217,432+20.8% | $185,849+41.3% | $167,536+56.8% |
| Participation rate | 91.7% | 86.1%+5.6pp | 81.7%+10.0pp | 82.1%+9.6pp |
| Annual return | 13.41% | 148.42%-135.0pp | 122.10%-108.7pp | 478.82%-465.4pp |
| Employer contribution / active EE | $2,514 | $5,875-57.2% | $5,169-51.4% | $4,839-48.1% |
| Participant deferral / active EE | $5,842 | $6,357-8.1% | $5,569+4.9% | $6,342-7.9% |
| Admin fee / account holder | $2,711 | $19,818-86.3% | $16,244-83.3% | $12,315-78.0% |