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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 | $426,392 | $181,062+135.5% | $158,223+169.5% | $155,188+174.8% |
| Participation rate | 92.3% | 82.7%+9.7pp | 79.2%+13.1pp | 80.8%+11.5pp |
| Annual return | 17.19% | 57.39%-40.2pp | 52.09%-34.9pp | 148.84%-131.6pp |
| Employer contribution / active EE | $2,176 | $4,565-52.3% | $4,109-47.0% | $4,248-48.8% |
| Participant deferral / active EE | $6,664 | $6,134+8.6% | $5,467+21.9% | $6,531+2.0% |
| Admin fee / account holder | $1,485 | $18,825-92.1% | $16,047-90.7% | $14,480-89.7% |