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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 | $310,892 | $181,062+71.7% | $158,223+96.5% | $155,188+100.3% |
| Participation rate | 85.7% | 82.7%+3.1pp | 79.2%+6.5pp | 80.8%+4.9pp |
| Annual return | 23.30% | 57.39%-34.1pp | 52.09%-28.8pp | 148.84%-125.5pp |
| Employer contribution / active EE | $4,128 | $4,565-9.6% | $4,109+0.5% | $4,248-2.8% |
| Participant deferral / active EE | $12,214 | $6,134+99.1% | $5,467+123.4% | $6,531+87.0% |
| Admin fee / account holder | $37,801 | $18,825+100.8% | $16,047+135.6% | $14,480+161.1% |