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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 | $338,540 | $154,754+118.8% | $124,206+172.6% | $138,895+143.7% |
| Participation rate | 80.0% | 75.5%+4.5pp | 69.6%+10.4pp | 79.9%+0.1pp |
| Annual return | 21.96% | 709.28%-687.3pp | 515.27%-493.3pp | 145.39%-123.4pp |
| Employer contribution / active EE | $2,892 | $4,446-35.0% | $3,540-18.3% | $4,194-31.0% |
| Participant deferral / active EE | $6,931 | $4,621+50.0% | $3,968+74.7% | $6,396+8.4% |
| Admin fee / account holder | $557 | $6,690-91.7% | $5,929-90.6% | $12,562-95.6% |