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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 | $286,215 | $148,582+92.6% | $135,942+110.5% | $139,456+105.2% |
| Participation rate | 79.2% | 83.9%-4.7pp | 81.9%-2.7pp | 80.3%-1.2pp |
| Annual return | 16.99% | 79.26%-62.3pp | 68.28%-51.3pp | 373.45%-356.5pp |
| Employer contribution / active EE | $5,816 | $5,245+10.9% | $4,858+19.7% | $4,753+22.4% |
| Participant deferral / active EE | $13,353 | $8,101+64.8% | $7,759+72.1% | $6,711+99.0% |
| Admin fee / account holder | $6,565 | $12,402-47.1% | $10,764-39.0% | $11,407-42.4% |