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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 | $344,673 | $178,174+93.4% | $156,181+120.7% | $137,256+151.1% |
| Participation rate | 82.6% | 82.0%+0.6pp | 78.8%+3.8pp | 80.0%+2.6pp |
| Annual return | 13.30% | 84.19%-70.9pp | 64.87%-51.6pp | 220.34%-207.0pp |
| Employer contribution / active EE | $6,098 | $4,972+22.6% | $4,294+42.0% | $4,156+46.7% |
| Participant deferral / active EE | $11,722 | $6,888+70.2% | $6,132+91.2% | $6,407+83.0% |
| Admin fee / account holder | $7,746 | $17,404-55.5% | $14,586-46.9% | $12,270-36.9% |