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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% | $155,574+80.9% | $145,877+93.0% |
| Participation rate | 93.3% | 82.7%+10.6pp | 78.2%+15.1pp | 80.3%+13.0pp |
| Annual return | 11.38% | 61.37%-50.0pp | 64.87%-53.5pp | 551.28%-539.9pp |
| Employer contribution / active EE | $4,517 | $5,317-15.0% | $4,676-3.4% | $4,663-3.1% |
| Participant deferral / active EE | $10,977 | $6,466+69.8% | $5,629+95.0% | $6,691+64.1% |
| Admin fee / account holder | $20,973 | $19,316+8.6% | $15,914+31.8% | $13,402+56.5% |