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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 | $318,831 | $201,259+58.4% | $184,200+73.1% | $145,959+118.4% |
| Participation rate | 83.3% | 87.5%-4.2pp | 86.8%-3.5pp | 80.3%+3.0pp |
| Annual return | 16.67% | 28.98%-12.3pp | 28.80%-12.1pp | 561.95%-545.3pp |
| Employer contribution / active EE | $6,338 | $7,018-9.7% | $6,424-1.3% | $4,661+36.0% |
| Participant deferral / active EE | $13,720 | $9,806+39.9% | $9,132+50.2% | $6,689+105.1% |
| Admin fee / account holder | $8,965 | $16,372-45.2% | $13,907-35.5% | $13,398-33.1% |