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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 | $345,315 | $217,427+58.8% | $185,837+85.8% | $167,518+106.1% |
| Participation rate | 75.0% | 86.0%-11.0pp | 81.7%-6.7pp | 82.1%-7.1pp |
| Annual return | 14.56% | 148.39%-133.8pp | 122.08%-107.5pp | 478.71%-464.2pp |
| Employer contribution / active EE | $22,169 | $5,874+277.4% | $5,168+329.0% | $4,838+358.2% |
| Participant deferral / active EE | $14,625 | $6,357+130.1% | $5,568+162.6% | $6,342+130.6% |
| Admin fee / account holder | $1,051 | $19,816-94.7% | $16,241-93.5% | $12,312-91.5% |