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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 | $266,044 | $227,399+17.0% | $189,758+40.2% | $198,609+34.0% |
| Participation rate | 76.9% | 84.0%-7.1pp | 79.8%-2.9pp | 82.4%-5.5pp |
| Annual return | 11.43% | 61.03%-49.6pp | 52.62%-41.2pp | 202.70%-191.3pp |
| Employer contribution / active EE | $2,040 | $5,526-63.1% | $4,767-57.2% | $5,055-59.7% |
| Participant deferral / active EE | $7,910 | $6,837+15.7% | $5,856+35.1% | $6,977+13.4% |
| Admin fee / account holder | $34,672 | $25,162+37.8% | $20,388+70.1% | $19,030+82.2% |