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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 | $282,216 | $165,381+70.6% | $149,730+88.5% | $158,966+77.5% |
| Participation rate | 88.9% | 84.6%+4.3pp | 82.5%+6.4pp | 82.0%+6.9pp |
| Annual return | 19.99% | 348.29%-328.3pp | 276.70%-256.7pp | 302.95%-283.0pp |
| Employer contribution / active EE | $4,440 | $5,104-13.0% | $4,645-4.4% | $4,762-6.8% |
| Participant deferral / active EE | $4,848 | $7,182-32.5% | $6,843-29.2% | $5,983-19.0% |
| Admin fee / account holder | $3,570 | $10,809-67.0% | $9,310-61.7% | $11,250-68.3% |