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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 | $304,090 | $209,422+45.2% | $178,503+70.4% | $158,982+91.3% |
| Participation rate | 87.0% | 86.4%+0.6pp | 81.9%+5.0pp | 82.0%+5.0pp |
| Annual return | 14.22% | 188.81%-174.6pp | 151.12%-136.9pp | 302.99%-288.8pp |
| Employer contribution / active EE | $6,728 | $5,707+17.9% | $5,011+34.3% | $4,763+41.3% |
| Participant deferral / active EE | $8,104 | $5,955+36.1% | $5,202+55.8% | $5,983+35.4% |
| Admin fee / account holder | $7,684 | $17,079-55.0% | $13,987-45.1% | $11,252-31.7% |