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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 | $269,273 | $166,242+62.0% | $165,071+63.1% | $145,884+84.6% |
| Participation rate | 90.0% | 82.0%+8.0pp | 78.6%+11.4pp | 80.3%+9.7pp |
| Annual return | 11.45% | 100.44%-89.0pp | 70.17%-58.7pp | 551.85%-540.4pp |
| Employer contribution / active EE | $11,816 | $5,283+123.7% | $4,347+171.8% | $4,662+153.4% |
| Participant deferral / active EE | $11,748 | $6,964+68.7% | $6,035+94.7% | $6,690+75.6% |
| Admin fee / account holder | $5,112 | $16,658-69.3% | $12,695-59.7% | $13,392-61.8% |