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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 | $339,406 | $157,304+115.8% | $141,197+140.4% | $152,909+122.0% |
| Participation rate | 90.9% | 84.8%+6.1pp | 82.5%+8.4pp | 82.5%+8.5pp |
| Annual return | 24.85% | 64.34%-39.5pp | 71.41%-46.6pp | 345.46%-320.6pp |
| Employer contribution / active EE | $5,097 | $5,263-3.1% | $4,736+7.6% | $4,764+7.0% |
| Participant deferral / active EE | $9,299 | $7,111+30.8% | $6,710+38.6% | $5,851+58.9% |
| Admin fee / account holder | $1,026 | $12,126-91.5% | $10,265-90.0% | $11,601-91.2% |