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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 | $284,902 | $196,972+44.6% | $182,262+56.3% | $198,609+43.4% |
| Participation rate | 100.0% | 85.7%+14.3pp | 84.2%+15.8pp | 82.4%+17.6pp |
| Annual return | 16.16% | 158.27%-142.1pp | 140.60%-124.4pp | 202.70%-186.5pp |
| Employer contribution / active EE | $6,869 | $5,364+28.1% | $5,046+36.1% | $5,055+35.9% |
| Participant deferral / active EE | $5,737 | $8,643-33.6% | $8,276-30.7% | $6,977-17.8% |
| Admin fee / account holder | $20,533 | $18,429+11.4% | $16,712+22.9% | $19,030+7.9% |