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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 | $296,583 | $165,399+79.3% | $149,745+98.1% | $158,982+86.6% |
| Participation rate | 85.7% | 84.6%+1.1pp | 82.5%+3.2pp | 82.0%+3.7pp |
| Annual return | 21.38% | 348.34%-327.0pp | 276.72%-255.3pp | 302.99%-281.6pp |
| Employer contribution / active EE | $2,130 | $5,105-58.3% | $4,646-54.2% | $4,763-55.3% |
| Participant deferral / active EE | $7,864 | $7,183+9.5% | $6,843+14.9% | $5,983+31.4% |
| Admin fee / account holder | $11,863 | $10,811+9.7% | $9,312+27.4% | $11,252+5.4% |