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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 | $333,721 | $217,427+53.5% | $185,837+79.6% | $167,518+99.2% |
| Participation rate | 70.0% | 86.0%-16.0pp | 81.7%-11.7pp | 82.1%-12.1pp |
| Annual return | 12.81% | 148.39%-135.6pp | 122.08%-109.3pp | 478.71%-465.9pp |
| Employer contribution / active EE | $1,654 | $5,874-71.9% | $5,168-68.0% | $4,838-65.8% |
| Participant deferral / active EE | $7,640 | $6,357+20.2% | $5,568+37.2% | $6,342+20.5% |
| Admin fee / account holder | $3,706 | $19,816-81.3% | $16,241-77.2% | $12,312-69.9% |