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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 | $282,527 | $148,623+90.1% | $135,974+107.8% | $139,466+102.6% |
| Participation rate | 87.5% | 83.9%+3.6pp | 81.9%+5.6pp | 80.3%+7.2pp |
| Annual return | 15.60% | 79.30%-63.7pp | 68.30%-52.7pp | 373.66%-358.1pp |
| Employer contribution / active EE | $15,632 | $5,246+198.0% | $4,859+221.7% | $4,754+228.8% |
| Participant deferral / active EE | $5,862 | $8,103-27.7% | $7,760-24.5% | $6,712-12.7% |
| Admin fee / account holder | $7,541 | $12,406-39.2% | $10,767-30.0% | $11,409-33.9% |