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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 | $423,291 | $165,399+155.9% | $149,745+182.7% | $158,982+166.3% |
| Participation rate | 90.9% | 84.6%+6.3pp | 82.5%+8.4pp | 82.0%+8.9pp |
| Annual return | 8.49% | 348.34%-339.8pp | 276.72%-268.2pp | 302.99%-294.5pp |
| Employer contribution / active EE | $3,208 | $5,105-37.2% | $4,646-30.9% | $4,763-32.6% |
| Participant deferral / active EE | $8,071 | $7,183+12.4% | $6,843+17.9% | $5,983+34.9% |
| Admin fee / account holder | $2,163 | $10,811-80.0% | $9,312-76.8% | $11,252-80.8% |