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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 | $185,312+43.6% | $161,489+64.7% | $154,746+71.9% |
| Participation rate | 76.9% | 82.5%-5.5pp | 78.7%-1.8pp | 80.7%-3.8pp |
| Annual return | 11.43% | 103.84%-92.4pp | 89.72%-78.3pp | 172.34%-160.9pp |
| Employer contribution / active EE | $2,040 | $4,769-57.2% | $4,268-52.2% | $4,379-53.4% |
| Participant deferral / active EE | $7,910 | $6,350+24.6% | $5,630+40.5% | $6,730+17.5% |
| Admin fee / account holder | $34,672 | $18,654+85.9% | $16,006+116.6% | $14,365+141.4% |