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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 | $295,549 | $185,312+59.5% | $161,489+83.0% | $154,746+91.0% |
| Participation rate | 92.9% | 82.5%+10.4pp | 78.7%+14.2pp | 80.7%+12.2pp |
| Annual return | 16.78% | 103.84%-87.1pp | 89.72%-72.9pp | 172.34%-155.6pp |
| Employer contribution / active EE | $5,765 | $4,769+20.9% | $4,268+35.1% | $4,379+31.6% |
| Participant deferral / active EE | $6,449 | $6,350+1.6% | $5,630+14.5% | $6,730-4.2% |
| Admin fee / account holder | $1,040 | $18,654-94.4% | $16,006-93.5% | $14,365-92.8% |