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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 | $357,852 | $154,228+132.0% | $145,433+146.1% | $137,256+160.7% |
| Participation rate | 75.0% | 83.8%-8.8pp | 82.1%-7.1pp | 80.0%-5.0pp |
| Annual return | 21.41% | 74.59%-53.2pp | 66.58%-45.2pp | 220.34%-198.9pp |
| Employer contribution / active EE | $3,819 | $4,804-20.5% | $4,554-16.2% | $4,156-8.1% |
| Participant deferral / active EE | $12,738 | $8,216+55.0% | $7,897+61.3% | $6,407+98.8% |
| Admin fee / account holder | $1,599 | $14,344-88.9% | $13,129-87.8% | $12,270-87.0% |