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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 | $297,922 | $134,817+121.0% | $123,973+140.3% | $155,188+92.0% |
| Participation rate | 93.8% | 79.4%+14.4pp | 76.7%+17.1pp | 80.8%+12.9pp |
| Annual return | 18.92% | 515.49%-496.6pp | 388.13%-369.2pp | 148.84%-129.9pp |
| Employer contribution / active EE | $3,514 | $4,425-20.6% | $4,126-14.8% | $4,248-17.3% |
| Participant deferral / active EE | $7,343 | $5,706+28.7% | $5,247+39.9% | $6,531+12.4% |
| Admin fee / account holder | $3,660 | $13,245-72.4% | $11,799-69.0% | $14,480-74.7% |