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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 | $273,849 | $225,673+21.3% | $203,872+34.3% | $155,188+76.5% |
| Participation rate | 91.7% | 80.3%+11.4pp | 77.8%+13.9pp | 80.8%+10.9pp |
| Annual return | 15.99% | 95.91%-79.9pp | 85.11%-69.1pp | 148.84%-132.8pp |
| Employer contribution / active EE | $13,423 | $4,099+227.5% | $3,757+257.2% | $4,248+216.0% |
| Participant deferral / active EE | $15,613 | $6,893+126.5% | $6,388+144.4% | $6,531+139.1% |
| Admin fee / account holder | $5,964 | $12,327-51.6% | $11,730-49.2% | $14,480-58.8% |