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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 | $346,397 | $209,425+65.4% | $178,499+94.1% | $158,966+117.9% |
| Participation rate | 83.3% | 86.4%-3.0pp | 81.9%+1.4pp | 82.0%+1.4pp |
| Annual return | 10.02% | 188.80%-178.8pp | 151.10%-141.1pp | 302.95%-292.9pp |
| Employer contribution / active EE | $8,716 | $5,707+52.7% | $5,011+73.9% | $4,762+83.0% |
| Participant deferral / active EE | $8,965 | $5,955+50.5% | $5,202+72.3% | $5,983+49.8% |
| Admin fee / account holder | $2,910 | $17,078-83.0% | $13,986-79.2% | $11,250-74.1% |