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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 | $307,320 | $185,312+65.8% | $161,489+90.3% | $154,746+98.6% |
| Participation rate | 75.0% | 82.5%-7.5pp | 78.7%-3.7pp | 80.7%-5.7pp |
| Annual return | 13.47% | 103.84%-90.4pp | 89.72%-76.3pp | 172.34%-158.9pp |
| Employer contribution / active EE | $12,225 | $4,769+156.3% | $4,268+186.4% | $4,379+179.2% |
| Participant deferral / active EE | $7,695 | $6,350+21.2% | $5,630+36.7% | $6,730+14.3% |
| Admin fee / account holder | $2,284 | $18,654-87.8% | $16,006-85.7% | $14,365-84.1% |