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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 | $297,120 | $165,399+79.6% | $149,745+98.4% | $158,982+86.9% |
| Participation rate | 88.9% | 84.6%+4.3pp | 82.5%+6.4pp | 82.0%+6.9pp |
| Annual return | 13.83% | 348.34%-334.5pp | 276.72%-262.9pp | 302.99%-289.2pp |
| Employer contribution / active EE | $4,755 | $5,105-6.9% | $4,646+2.4% | $4,763-0.2% |
| Participant deferral / active EE | $9,240 | $7,183+28.6% | $6,843+35.0% | $5,983+54.4% |
| Admin fee / account holder | $634 | $10,811-94.1% | $9,312-93.2% | $11,252-94.4% |