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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 | $260,703 | $203,483+28.1% | $152,473+71.0% | $167,536+55.6% |
| Participation rate | 92.3% | 82.3%+10.0pp | 78.2%+14.1pp | 82.1%+10.2pp |
| Annual return | 21.46% | 13.80%+7.7pp | 757.59%-736.1pp | 478.82%-457.4pp |
| Employer contribution / active EE | $2,810 | $5,219-46.2% | $4,326-35.0% | $4,839-41.9% |
| Participant deferral / active EE | $5,388 | $6,711-19.7% | $5,817-7.4% | $6,342-15.1% |
| Admin fee / account holder | $19,053 | $22,521-15.4% | $15,811+20.5% | $12,315+54.7% |