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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 | $288,286 | $183,592+57.0% | $155,574+85.3% | $145,877+97.6% |
| Participation rate | 87.5% | 82.7%+4.8pp | 78.2%+9.3pp | 80.3%+7.2pp |
| Annual return | 30.37% | 61.37%-31.0pp | 64.87%-34.5pp | 551.28%-520.9pp |
| Employer contribution / active EE | $5,299 | $5,317-0.3% | $4,676+13.3% | $4,663+13.6% |
| Participant deferral / active EE | $6,059 | $6,466-6.3% | $5,629+7.6% | $6,691-9.4% |
| Admin fee / account holder | $2,474 | $19,316-87.2% | $15,914-84.5% | $13,402-81.5% |