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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 | $374,667 | $181,062+106.9% | $158,223+136.8% | $155,188+141.4% |
| Participation rate | 83.3% | 82.7%+0.7pp | 79.2%+4.1pp | 80.8%+2.5pp |
| Annual return | 14.88% | 57.39%-42.5pp | 52.09%-37.2pp | 148.84%-134.0pp |
| Employer contribution / active EE | $4,165 | $4,565-8.8% | $4,109+1.4% | $4,248-1.9% |
| Participant deferral / active EE | $10,906 | $6,134+77.8% | $5,467+99.5% | $6,531+67.0% |
| Admin fee / account holder | $11,510 | $18,825-38.9% | $16,047-28.3% | $14,480-20.5% |