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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 | $266,455 | $165,399+61.1% | $149,745+77.9% | $158,982+67.6% |
| Participation rate | 94.4% | 84.6%+9.9pp | 82.5%+12.0pp | 82.0%+12.5pp |
| Annual return | 14.88% | 348.34%-333.5pp | 276.72%-261.8pp | 302.99%-288.1pp |
| Employer contribution / active EE | $4,745 | $5,105-7.0% | $4,646+2.1% | $4,763-0.4% |
| Participant deferral / active EE | $8,225 | $7,183+14.5% | $6,843+20.2% | $5,983+37.5% |
| Admin fee / account holder | $935 | $10,811-91.3% | $9,312-90.0% | $11,252-91.7% |