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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 | $271,104 | $166,268+63.1% | $165,100+64.2% | $145,897+85.8% |
| Participation rate | 83.3% | 82.0%+1.3pp | 78.6%+4.7pp | 80.3%+3.0pp |
| Annual return | 13.76% | 100.52%-86.8pp | 70.21%-56.5pp | 552.29%-538.5pp |
| Employer contribution / active EE | $6,511 | $5,284+23.2% | $4,348+49.7% | $4,663+39.6% |
| Participant deferral / active EE | $6,250 | $6,964-10.3% | $6,035+3.6% | $6,689-6.6% |
| Admin fee / account holder | $371 | $16,659-97.8% | $12,696-97.1% | $13,390-97.2% |