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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 | $304,059 | $183,592+65.6% | $155,574+95.4% | $145,877+108.4% |
| Participation rate | 90.5% | 82.7%+7.8pp | 78.2%+12.3pp | 80.3%+10.2pp |
| Annual return | 13.20% | 61.37%-48.2pp | 64.87%-51.7pp | 551.28%-538.1pp |
| Employer contribution / active EE | $3,305 | $5,317-37.8% | $4,676-29.3% | $4,663-29.1% |
| Participant deferral / active EE | $4,106 | $6,466-36.5% | $5,629-27.1% | $6,691-38.6% |
| Admin fee / account holder | $1,142 | $19,316-94.1% | $15,914-92.8% | $13,402-91.5% |