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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 | $269,681 | $202,463+33.2% | $169,397+59.2% | $139,487+93.3% |
| Participation rate | 80.0% | 81.1%-1.1pp | 77.2%+2.8pp | 80.3%-0.3pp |
| Annual return | 18.18% | 532.64%-514.5pp | 406.23%-388.1pp | 373.84%-355.7pp |
| Employer contribution / active EE | $7,008 | $4,694+49.3% | $4,013+74.6% | $4,755+47.4% |
| Participant deferral / active EE | $16,228 | $6,941+133.8% | $6,223+160.8% | $6,713+141.8% |
| Admin fee / account holder | $580 | $10,726-94.6% | $9,017-93.6% | $11,407-94.9% |