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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 | $278,814 | $185,312+50.5% | $161,489+72.7% | $154,746+80.2% |
| Participation rate | 91.7% | 82.5%+9.2pp | 78.7%+13.0pp | 80.7%+11.0pp |
| Annual return | 17.15% | 103.84%-86.7pp | 89.72%-72.6pp | 172.34%-155.2pp |
| Employer contribution / active EE | $3,732 | $4,769-21.7% | $4,268-12.6% | $4,379-14.8% |
| Participant deferral / active EE | $6,187 | $6,350-2.6% | $5,630+9.9% | $6,730-8.1% |
| Admin fee / account holder | $1,244 | $18,654-93.3% | $16,006-92.2% | $14,365-91.3% |