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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 | $304,401 | $162,136+87.7% | $152,301+99.9% | $154,746+96.7% |
| Participation rate | 76.2% | 84.1%-7.9pp | 82.4%-6.3pp | 80.7%-4.5pp |
| Annual return | 12.33% | 91.02%-78.7pp | 80.50%-68.2pp | 172.34%-160.0pp |
| Employer contribution / active EE | $13,487 | $4,890+175.8% | $4,624+191.6% | $4,379+208.0% |
| Participant deferral / active EE | $12,607 | $8,341+51.1% | $8,004+57.5% | $6,730+87.3% |
| Admin fee / account holder | $17,220 | $15,759+9.3% | $14,398+19.6% | $14,365+19.9% |