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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 | $290,116 | $148,623+95.2% | $135,974+113.4% | $139,466+108.0% |
| Participation rate | 75.0% | 83.9%-8.9pp | 81.9%-6.9pp | 80.3%-5.3pp |
| Annual return | 70.26% | 79.30%-9.0pp | 68.30%+2.0pp | 373.66%-303.4pp |
| Employer contribution / active EE | $5,991 | $5,246+14.2% | $4,859+23.3% | $4,754+26.0% |
| Participant deferral / active EE | $11,169 | $8,103+37.8% | $7,760+43.9% | $6,712+66.4% |
| Admin fee / account holder | $142,655 | $12,406+1049.9% | $10,767+1225.0% | $11,409+1150.4% |