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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 | $323,329 | $183,539+76.2% | $155,556+107.9% | $145,897+121.6% |
| Participation rate | 93.3% | 82.7%+10.6pp | 78.2%+15.1pp | 80.3%+13.0pp |
| Annual return | 10.63% | 61.31%-50.7pp | 64.84%-54.2pp | 552.29%-541.7pp |
| Employer contribution / active EE | $4,959 | $5,315-6.7% | $4,675+6.1% | $4,663+6.4% |
| Participant deferral / active EE | $4,440 | $6,467-31.3% | $5,631-21.1% | $6,689-33.6% |
| Admin fee / account holder | $3,168 | $19,275-83.6% | $15,885-80.1% | $13,390-76.3% |