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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 | $278,849 | $202,342+37.8% | $172,752+61.4% | $152,897+82.4% |
| Participation rate | 93.3% | 87.1%+6.3pp | 82.6%+10.7pp | 82.5%+10.9pp |
| Annual return | 24.16% | 1029.83%-1005.7pp | 802.97%-778.8pp | 345.43%-321.3pp |
| Employer contribution / active EE | $4,971 | $5,858-15.1% | $5,144-3.4% | $4,764+4.4% |
| Participant deferral / active EE | $6,157 | $5,948+3.5% | $5,198+18.4% | $5,851+5.2% |
| Admin fee / account holder | $11,206 | $17,111-34.5% | $13,955-19.7% | $11,599-3.4% |