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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 | $250,484 | $155,555+61.0% | $146,866+70.6% | $155,188+61.4% |
| Participation rate | 88.9% | 84.0%+4.9pp | 82.5%+6.4pp | 80.8%+8.1pp |
| Annual return | 49.71% | 115.41%-65.7pp | 102.85%-53.1pp | 148.84%-99.1pp |
| Employer contribution / active EE | $6,448 | $4,647+38.8% | $4,425+45.7% | $4,248+51.8% |
| Participant deferral / active EE | $17,463 | $8,044+117.1% | $7,759+125.1% | $6,531+167.4% |
| Admin fee / account holder | $4,927 | $14,755-66.6% | $13,620-63.8% | $14,480-66.0% |