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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 | $254,014 | $201,370+26.1% | $184,256+37.9% | $145,897+74.1% |
| Participation rate | 85.7% | 87.5%-1.8pp | 86.8%-1.1pp | 80.3%+5.4pp |
| Annual return | 11.73% | 29.05%-17.3pp | 28.85%-17.1pp | 552.29%-540.6pp |
| Employer contribution / active EE | $6,999 | $7,024-0.3% | $6,427+8.9% | $4,663+50.1% |
| Participant deferral / active EE | $13,597 | $9,808+38.6% | $9,133+48.9% | $6,689+103.3% |
| Admin fee / account holder | $10,211 | $16,364-37.6% | $13,899-26.5% | $13,390-23.7% |