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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 | $280,682 | $208,088+34.9% | $186,193+50.7% | $154,746+81.4% |
| Participation rate | 80.0% | 80.0%0pp | 77.1%+2.9pp | 80.7%-0.7pp |
| Annual return | 20.42% | 89.97%-69.6pp | 78.03%-57.6pp | 172.34%-151.9pp |
| Employer contribution / active EE | $21,054 | $4,340+385.1% | $3,918+437.4% | $4,379+380.8% |
| Participant deferral / active EE | $20,100 | $7,078+184.0% | $6,513+208.6% | $6,730+198.6% |
| Admin fee / account holder | $16,151 | $11,698+38.1% | $11,058+46.1% | $14,365+12.4% |