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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 | $255,896 | $171,492+49.2% | $150,734+69.8% | $198,609+28.8% |
| Participation rate | 93.3% | 81.4%+11.9pp | 78.4%+14.9pp | 82.4%+11.0pp |
| Annual return | 15.45% | 804.70%-789.3pp | 600.81%-585.4pp | 202.70%-187.3pp |
| Employer contribution / active EE | $3,158 | $5,470-42.3% | $4,918-35.8% | $5,055-37.5% |
| Participant deferral / active EE | $8,205 | $6,259+31.1% | $5,610+46.3% | $6,977+17.6% |
| Admin fee / account holder | $4,489 | $17,628-74.5% | $14,905-69.9% | $19,030-76.4% |