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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 | $252,390 | $156,398+61.4% | $147,318+71.3% | $138,895+81.7% |
| Participation rate | 85.7% | 83.8%+2.0pp | 82.1%+3.6pp | 79.9%+5.8pp |
| Annual return | 15.34% | 78.75%-63.4pp | 70.43%-55.1pp | 145.39%-130.1pp |
| Employer contribution / active EE | $3,155 | $4,853-35.0% | $4,593-31.3% | $4,194-24.8% |
| Participant deferral / active EE | $10,720 | $8,237+30.1% | $7,906+35.6% | $6,396+67.6% |
| Admin fee / account holder | $8,868 | $14,976-40.8% | $13,708-35.3% | $12,562-29.4% |