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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 | $269,302 | $90,530+197.5% | $76,030+254.2% | $145,897+84.6% |
| Participation rate | 73.7% | 74.4%-0.8pp | 69.1%+4.6pp | 80.3%-6.6pp |
| Annual return | 8.99% | 625.08%-616.1pp | 361.54%-352.5pp | 552.29%-543.3pp |
| Employer contribution / active EE | $3,230 | $3,319-2.7% | $2,688+20.2% | $4,663-30.7% |
| Participant deferral / active EE | $8,102 | $5,164+56.9% | $4,257+90.3% | $6,689+21.1% |
| Admin fee / account holder | $14,255 | $8,383+70.0% | $6,421+122.0% | $13,390+6.5% |