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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 | $343,505 | $172,111+99.6% | $150,298+128.5% | $137,256+150.3% |
| Participation rate | 80.0% | 81.7%-1.7pp | 77.8%+2.2pp | 80.0%0pp |
| Annual return | 13.10% | 69.37%-56.3pp | 62.79%-49.7pp | 220.34%-207.2pp |
| Employer contribution / active EE | $2,533 | $4,636-45.4% | $4,154-39.0% | $4,156-39.1% |
| Participant deferral / active EE | $9,784 | $6,166+58.7% | $5,453+79.4% | $6,407+52.7% |
| Admin fee / account holder | $2,642 | $16,471-84.0% | $14,116-81.3% | $12,270-78.5% |