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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 | $296,584 | $175,259+69.2% | $149,723+98.1% | $139,487+112.6% |
| Participation rate | 80.0% | 83.4%-3.4pp | 78.8%+1.2pp | 80.3%-0.3pp |
| Annual return | 17.84% | 166.82%-149.0pp | 134.50%-116.7pp | 373.84%-356.0pp |
| Employer contribution / active EE | $4,883 | $5,478-10.9% | $4,821+1.3% | $4,755+2.7% |
| Participant deferral / active EE | $7,923 | $6,522+21.5% | $5,682+39.4% | $6,713+18.0% |
| Admin fee / account holder | $9,968 | $16,158-38.3% | $13,215-24.6% | $11,407-12.6% |