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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 | $302,174 | $225,673+33.9% | $203,872+48.2% | $155,188+94.7% |
| Participation rate | 87.0% | 80.3%+6.6pp | 77.8%+9.2pp | 80.8%+6.2pp |
| Annual return | 9.96% | 95.91%-86.0pp | 85.11%-75.1pp | 148.84%-138.9pp |
| Employer contribution / active EE | $4,320 | $4,099+5.4% | $3,757+15.0% | $4,248+1.7% |
| Participant deferral / active EE | $3,009 | $6,893-56.3% | $6,388-52.9% | $6,531-53.9% |
| Admin fee / account holder | $8,679 | $12,327-29.6% | $11,730-26.0% | $14,480-40.1% |