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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 | $363,279 | $217,432+67.1% | $185,849+95.5% | $167,536+116.8% |
| Participation rate | 87.5% | 86.1%+1.4pp | 81.7%+5.8pp | 82.1%+5.4pp |
| Annual return | 11.33% | 148.42%-137.1pp | 122.10%-110.8pp | 478.82%-467.5pp |
| Employer contribution / active EE | $4,228 | $5,875-28.0% | $5,169-18.2% | $4,839-12.6% |
| Participant deferral / active EE | $9,475 | $6,357+49.0% | $5,569+70.1% | $6,342+49.4% |
| Admin fee / account holder | $2,553 | $19,818-87.1% | $16,244-84.3% | $12,315-79.3% |