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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 | $344,038 | $183,592+87.4% | $155,574+121.1% | $145,877+135.8% |
| Participation rate | 92.3% | 82.7%+9.6pp | 78.2%+14.1pp | 80.3%+12.0pp |
| Annual return | 19.91% | 61.37%-41.5pp | 64.87%-45.0pp | 551.28%-531.4pp |
| Employer contribution / active EE | $1,523 | $5,317-71.4% | $4,676-67.4% | $4,663-67.3% |
| Participant deferral / active EE | $7,363 | $6,466+13.9% | $5,629+30.8% | $6,691+10.0% |
| Admin fee / account holder | $2,991 | $19,316-84.5% | $15,914-81.2% | $13,402-77.7% |