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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 | $172,111+65.6% | $150,298+89.7% | $137,256+107.7% |
| Participation rate | 85.7% | 81.7%+4.0pp | 77.8%+8.0pp | 80.0%+5.8pp |
| Annual return | 15.31% | 69.37%-54.1pp | 62.79%-47.5pp | 220.34%-205.0pp |
| Employer contribution / active EE | $4,221 | $4,636-9.0% | $4,154+1.6% | $4,156+1.6% |
| Participant deferral / active EE | $6,516 | $6,166+5.7% | $5,453+19.5% | $6,407+1.7% |
| Admin fee / account holder | $2,665 | $16,471-83.8% | $14,116-81.1% | $12,270-78.3% |