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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 | $333,851 | $174,379+91.5% | $152,093+119.5% | $138,895+140.4% |
| Participation rate | 94.1% | 81.6%+12.5pp | 77.8%+16.4pp | 79.9%+14.2pp |
| Annual return | 14.02% | 74.86%-60.8pp | 66.36%-52.3pp | 145.39%-131.4pp |
| Employer contribution / active EE | $7,800 | $4,652+67.7% | $4,175+86.8% | $4,194+86.0% |
| Participant deferral / active EE | $8,167 | $6,159+32.6% | $5,451+49.8% | $6,396+27.7% |
| Admin fee / account holder | $871 | $16,880-94.8% | $14,497-94.0% | $12,562-93.1% |