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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 | $361,886 | $289,211+25.1% | $260,467+38.9% | $198,609+82.2% |
| Participation rate | 85.7% | 83.1%+2.6pp | 80.5%+5.3pp | 82.4%+3.3pp |
| Annual return | 20.44% | 112.90%-92.5pp | 100.60%-80.2pp | 202.70%-182.3pp |
| Employer contribution / active EE | $4,119 | $4,663-11.7% | $4,239-2.8% | $5,055-18.5% |
| Participant deferral / active EE | $10,292 | $6,812+51.1% | $6,319+62.9% | $6,977+47.5% |
| Admin fee / account holder | $1,925 | $16,236-88.1% | $15,461-87.5% | $19,030-89.9% |