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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 | $282,787 | $178,174+58.7% | $156,181+81.1% | $137,256+106.0% |
| Participation rate | 94.7% | 82.0%+12.7pp | 78.8%+15.9pp | 80.0%+14.8pp |
| Annual return | 14.30% | 84.19%-69.9pp | 64.87%-50.6pp | 220.34%-206.0pp |
| Employer contribution / active EE | $11,026 | $4,972+121.8% | $4,294+156.8% | $4,156+165.3% |
| Participant deferral / active EE | $14,005 | $6,888+103.3% | $6,132+128.4% | $6,407+118.6% |
| Admin fee / account holder | $1,308 | $17,404-92.5% | $14,586-91.0% | $12,270-89.3% |