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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 | $310,739 | $183,516+69.3% | $155,534+99.8% | $145,884+113.0% |
| Participation rate | 90.9% | 82.7%+8.2pp | 78.2%+12.7pp | 80.3%+10.6pp |
| Annual return | 17.23% | 61.43%-44.2pp | 64.92%-47.7pp | 551.85%-534.6pp |
| Employer contribution / active EE | $15,679 | $5,315+195.0% | $4,675+235.4% | $4,662+236.3% |
| Participant deferral / active EE | $6,750 | $6,467+4.4% | $5,630+19.9% | $6,690+0.9% |
| Admin fee / account holder | $1,509 | $19,293-92.2% | $15,900-90.5% | $13,392-88.7% |