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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 | $260,444 | $175,231+48.6% | $149,696+74.0% | $139,466+86.7% |
| Participation rate | 81.0% | 83.4%-2.4pp | 78.8%+2.2pp | 80.3%+0.6pp |
| Annual return | 18.57% | 166.77%-148.2pp | 134.46%-115.9pp | 373.66%-355.1pp |
| Employer contribution / active EE | $6,329 | $5,478+15.5% | $4,821+31.3% | $4,754+33.1% |
| Participant deferral / active EE | $3,214 | $6,521-50.7% | $5,682-43.4% | $6,712-52.1% |
| Admin fee / account holder | $468 | $16,155-97.1% | $13,212-96.5% | $11,409-95.9% |