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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 | $297,150 | $198,457+49.7% | $170,435+74.3% | $147,586+101.3% |
| Participation rate | 76.5% | 88.0%-11.5pp | 83.6%-7.1pp | 82.8%-6.4pp |
| Annual return | 12.32% | 257.30%-245.0pp | 205.94%-193.6pp | 578.59%-566.3pp |
| Employer contribution / active EE | $10,170 | $6,183+64.5% | $5,432+87.2% | $4,876+108.5% |
| Participant deferral / active EE | $4,873 | $5,629-13.4% | $4,939-1.3% | $5,439-10.4% |
| Admin fee / account holder | $85,957 | $16,852+410.1% | $13,881+519.3% | $10,886+689.6% |