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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 | $302,139 | $176,105+71.6% | $159,474+89.5% | $167,536+80.3% |
| Participation rate | 85.0% | 85.0%0pp | 82.8%+2.2pp | 82.1%+2.9pp |
| Annual return | 15.12% | 331.91%-316.8pp | 263.68%-248.6pp | 478.82%-463.7pp |
| Employer contribution / active EE | $4,192 | $5,299-20.9% | $4,831-13.2% | $4,839-13.4% |
| Participant deferral / active EE | $8,252 | $7,751+6.5% | $7,353+12.2% | $6,342+30.1% |
| Admin fee / account holder | $2,106 | $12,559-83.2% | $10,802-80.5% | $12,315-82.9% |