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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 | $356,031 | $197,637+80.1% | $177,848+100.2% | $158,982+123.9% |
| Participation rate | 87.5% | 88.5%-1.0pp | 87.7%-0.2pp | 82.0%+5.5pp |
| Annual return | 20.86% | 58.77%-37.9pp | 48.33%-27.5pp | 302.99%-282.1pp |
| Employer contribution / active EE | $0 | $6,698-100.0% | $5,919-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $10,075 | $8,405+19.9% | $7,714+30.6% | $5,983+68.4% |
| Admin fee / account holder | $5,595 | $15,406-63.7% | $12,431-55.0% | $11,252-50.3% |