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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 | $259,293 | $129,737+99.9% | $119,126+117.7% | $154,746+67.6% |
| Participation rate | 80.0% | 78.9%+1.1pp | 75.8%+4.2pp | 80.7%-0.7pp |
| Annual return | 13.73% | 379.08%-365.4pp | 282.11%-268.4pp | 172.34%-158.6pp |
| Employer contribution / active EE | $1,656 | $4,375-62.1% | $4,034-58.9% | $4,379-62.2% |
| Participant deferral / active EE | $3,271 | $5,842-44.0% | $5,318-38.5% | $6,730-51.4% |
| Admin fee / account holder | $9,320 | $11,961-22.1% | $10,693-12.8% | $14,365-35.1% |