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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 | $266,044 | $172,111+54.6% | $150,298+77.0% | $137,256+93.8% |
| Participation rate | 76.9% | 81.7%-4.8pp | 77.8%-0.8pp | 80.0%-3.0pp |
| Annual return | 11.43% | 69.37%-57.9pp | 62.79%-51.4pp | 220.34%-208.9pp |
| Employer contribution / active EE | $2,040 | $4,636-56.0% | $4,154-50.9% | $4,156-50.9% |
| Participant deferral / active EE | $7,910 | $6,166+28.3% | $5,453+45.1% | $6,407+23.5% |
| Admin fee / account holder | $34,672 | $16,471+110.5% | $14,116+145.6% | $12,270+182.6% |