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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 | $283,544 | $148,623+90.8% | $135,974+108.5% | $139,466+103.3% |
| Participation rate | 90.0% | 83.9%+6.1pp | 81.9%+8.1pp | 80.3%+9.7pp |
| Annual return | 17.68% | 79.30%-61.6pp | 68.30%-50.6pp | 373.66%-356.0pp |
| Employer contribution / active EE | $3,767 | $5,246-28.2% | $4,859-22.5% | $4,754-20.8% |
| Participant deferral / active EE | $6,551 | $8,103-19.2% | $7,760-15.6% | $6,712-2.4% |
| Admin fee / account holder | $4,326 | $12,406-65.1% | $10,767-59.8% | $11,409-62.1% |