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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 | $296,719 | $148,629+99.6% | $135,982+118.2% | $139,487+112.7% |
| Participation rate | 88.9% | 83.9%+5.0pp | 81.9%+7.0pp | 80.3%+8.6pp |
| Annual return | 16.37% | 79.33%-63.0pp | 68.32%-52.0pp | 373.84%-357.5pp |
| Employer contribution / active EE | $6,070 | $5,247+15.7% | $4,859+24.9% | $4,755+27.7% |
| Participant deferral / active EE | $7,763 | $8,102-4.2% | $7,7600% | $6,713+15.6% |
| Admin fee / account holder | $3,344 | $12,406-73.0% | $10,767-68.9% | $11,407-70.7% |