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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 | $352,002 | $209,428+68.1% | $178,498+97.2% | $158,950+121.5% |
| Participation rate | 80.0% | 86.4%-6.4pp | 81.9%-1.9pp | 82.0%-2.0pp |
| Annual return | 33.51% | 188.78%-155.3pp | 151.09%-117.6pp | 302.91%-269.4pp |
| Employer contribution / active EE | $9,248 | $5,707+62.0% | $5,011+84.6% | $4,762+94.2% |
| Participant deferral / active EE | $6,178 | $5,955+3.7% | $5,202+18.8% | $5,983+3.3% |
| Admin fee / account holder | $1,716 | $17,077-89.9% | $13,985-87.7% | $11,248-84.7% |