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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 | $287,658 | $134,817+113.4% | $123,973+132.0% | $155,188+85.4% |
| Participation rate | 82.4% | 79.4%+3.0pp | 76.7%+5.7pp | 80.8%+1.5pp |
| Annual return | 15.04% | 515.49%-500.4pp | 388.13%-373.1pp | 148.84%-133.8pp |
| Employer contribution / active EE | $2,289 | $4,425-48.3% | $4,126-44.5% | $4,248-46.1% |
| Participant deferral / active EE | $7,696 | $5,706+34.9% | $5,247+46.7% | $6,531+17.8% |
| Admin fee / account holder | $1,844 | $13,245-86.1% | $11,799-84.4% | $14,480-87.3% |