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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 | $256,394 | $148,629+72.5% | $135,982+88.5% | $139,487+83.8% |
| Participation rate | 91.7% | 83.9%+7.8pp | 81.9%+9.7pp | 80.3%+11.3pp |
| Annual return | 15.14% | 79.33%-64.2pp | 68.32%-53.2pp | 373.84%-358.7pp |
| Employer contribution / active EE | $5,746 | $5,247+9.5% | $4,859+18.2% | $4,755+20.8% |
| Participant deferral / active EE | $19,397 | $8,102+139.4% | $7,760+150.0% | $6,713+189.0% |
| Admin fee / account holder | $2,201 | $12,406-82.3% | $10,767-79.6% | $11,407-80.7% |