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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 | $132,099+112.2% | $115,599+142.5% | $138,895+101.8% |
| Participation rate | 95.0% | 77.9%+17.1pp | 74.3%+20.7pp | 79.9%+15.1pp |
| Annual return | 14.50% | 176.76%-162.3pp | 111.10%-96.6pp | 145.39%-130.9pp |
| Employer contribution / active EE | $2,836 | $3,416-17.0% | $2,955-4.0% | $4,194-32.4% |
| Participant deferral / active EE | $8,424 | $5,617+50.0% | $4,889+72.3% | $6,396+31.7% |
| Admin fee / account holder | $3,644 | $15,650-76.7% | $12,841-71.6% | $12,562-71.0% |