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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 | $288,911 | $202,463+42.7% | $169,397+70.6% | $139,487+107.1% |
| Participation rate | 87.5% | 81.1%+6.4pp | 77.2%+10.3pp | 80.3%+7.2pp |
| Annual return | 15.88% | 532.64%-516.8pp | 406.23%-390.4pp | 373.84%-358.0pp |
| Employer contribution / active EE | $3,490 | $4,694-25.6% | $4,013-13.0% | $4,755-26.6% |
| Participant deferral / active EE | $6,595 | $6,941-5.0% | $6,223+6.0% | $6,713-1.7% |
| Admin fee / account holder | $7,692 | $10,726-28.3% | $9,017-14.7% | $11,407-32.6% |