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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 | $280,291 | $142,354+96.9% | $125,529+123.3% | $155,188+80.6% |
| Participation rate | 95.0% | 78.1%+16.9pp | 74.7%+20.3pp | 80.8%+14.2pp |
| Annual return | 14.50% | 306.06%-291.6pp | 202.56%-188.1pp | 148.84%-134.3pp |
| Employer contribution / active EE | $2,836 | $3,501-19.0% | $3,058-7.2% | $4,248-33.2% |
| Participant deferral / active EE | $8,424 | $5,491+53.4% | $4,813+75.0% | $6,531+29.0% |
| Admin fee / account holder | $3,644 | $19,392-81.2% | $16,298-77.6% | $14,480-74.8% |