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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 | $181,062+57.4% | $158,223+80.2% | $155,188+83.7% |
| Participation rate | 85.7% | 82.7%+3.1pp | 79.2%+6.5pp | 80.8%+4.9pp |
| Annual return | 15.31% | 57.39%-42.1pp | 52.09%-36.8pp | 148.84%-133.5pp |
| Employer contribution / active EE | $4,221 | $4,565-7.5% | $4,109+2.7% | $4,248-0.6% |
| Participant deferral / active EE | $6,516 | $6,134+6.2% | $5,467+19.2% | $6,531-0.2% |
| Admin fee / account holder | $2,665 | $18,825-85.8% | $16,047-83.4% | $14,480-81.6% |