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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 | $276,930 | $209,422+32.2% | $178,503+55.1% | $158,982+74.2% |
| Participation rate | 73.7% | 86.4%-12.7pp | 81.9%-8.2pp | 82.0%-8.3pp |
| Annual return | 18.81% | 188.81%-170.0pp | 151.12%-132.3pp | 302.99%-284.2pp |
| Employer contribution / active EE | $4,541 | $5,707-20.4% | $5,011-9.4% | $4,763-4.7% |
| Participant deferral / active EE | $3,281 | $5,955-44.9% | $5,202-36.9% | $5,983-45.2% |
| Admin fee / account holder | $29,121 | $17,079+70.5% | $13,987+108.2% | $11,252+158.8% |