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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 | $285,182 | $162,136+75.9% | $152,301+87.2% | $154,746+84.3% |
| Participation rate | 93.8% | 84.1%+9.6pp | 82.4%+11.3pp | 80.7%+13.0pp |
| Annual return | 18.68% | 91.02%-72.3pp | 80.50%-61.8pp | 172.34%-153.7pp |
| Employer contribution / active EE | $10,324 | $4,890+111.1% | $4,624+123.2% | $4,379+135.8% |
| Participant deferral / active EE | $14,715 | $8,341+76.4% | $8,004+83.8% | $6,730+118.6% |
| Admin fee / account holder | $3,998 | $15,759-74.6% | $14,398-72.2% | $14,365-72.2% |