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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 | $285,048 | $227,399+25.4% | $189,758+50.2% | $198,609+43.5% |
| Participation rate | 85.7% | 84.0%+1.7pp | 79.8%+5.9pp | 82.4%+3.3pp |
| Annual return | 15.31% | 61.03%-45.7pp | 52.62%-37.3pp | 202.70%-187.4pp |
| Employer contribution / active EE | $4,221 | $5,526-23.6% | $4,767-11.5% | $5,055-16.5% |
| Participant deferral / active EE | $6,516 | $6,837-4.7% | $5,856+11.3% | $6,977-6.6% |
| Admin fee / account holder | $2,665 | $25,162-89.4% | $20,388-86.9% | $19,030-86.0% |