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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 | $281,499 | $183,592+53.3% | $155,567+81.0% | $145,959+92.9% |
| Participation rate | 93.3% | 82.7%+10.7pp | 78.2%+15.1pp | 80.3%+13.0pp |
| Annual return | 11.38% | 61.24%-49.9pp | 64.74%-53.4pp | 561.95%-550.6pp |
| Employer contribution / active EE | $4,517 | $5,315-15.0% | $4,674-3.4% | $4,661-3.1% |
| Participant deferral / active EE | $10,977 | $6,464+69.8% | $5,628+95.1% | $6,689+64.1% |
| Admin fee / account holder | $20,973 | $19,318+8.6% | $15,916+31.8% | $13,398+56.5% |