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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 | $276,121 | $162,136+70.3% | $152,301+81.3% | $154,746+78.4% |
| Participation rate | 95.0% | 84.1%+10.9pp | 82.4%+12.6pp | 80.7%+14.3pp |
| Annual return | 20.18% | 91.02%-70.8pp | 80.50%-60.3pp | 172.34%-152.2pp |
| Employer contribution / active EE | $11,633 | $4,890+137.9% | $4,624+151.5% | $4,379+165.6% |
| Participant deferral / active EE | $14,002 | $8,341+67.9% | $8,004+74.9% | $6,730+108.0% |
| Admin fee / account holder | $1,303 | $15,759-91.7% | $14,398-91.0% | $14,365-90.9% |