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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 | $291,244 | $148,623+96.0% | $135,974+114.2% | $139,466+108.8% |
| Participation rate | 92.3% | 83.9%+8.4pp | 81.9%+10.4pp | 80.3%+12.0pp |
| Annual return | 21.50% | 79.30%-57.8pp | 68.30%-46.8pp | 373.66%-352.2pp |
| Employer contribution / active EE | $4,643 | $5,246-11.5% | $4,859-4.4% | $4,754-2.3% |
| Participant deferral / active EE | $13,171 | $8,103+62.5% | $7,760+69.7% | $6,712+96.2% |
| Admin fee / account holder | $4,379 | $12,406-64.7% | $10,767-59.3% | $11,409-61.6% |