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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 | $262,403 | $148,582+76.6% | $135,942+93.0% | $139,456+88.2% |
| Participation rate | 85.7% | 83.9%+1.9pp | 81.9%+3.8pp | 80.3%+5.4pp |
| Annual return | 13.44% | 79.26%-65.8pp | 68.28%-54.8pp | 373.45%-360.0pp |
| Employer contribution / active EE | $13,964 | $5,245+166.3% | $4,858+187.5% | $4,753+193.8% |
| Participant deferral / active EE | $8,614 | $8,101+6.3% | $7,759+11.0% | $6,711+28.3% |
| Admin fee / account holder | $1,134 | $12,402-90.9% | $10,764-89.5% | $11,407-90.1% |