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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 | $271,898 | $185,312+46.7% | $161,489+68.4% | $154,746+75.7% |
| Participation rate | 73.3% | 82.5%-9.1pp | 78.7%-5.4pp | 80.7%-7.4pp |
| Annual return | 17.20% | 103.84%-86.6pp | 89.72%-72.5pp | 172.34%-155.1pp |
| Employer contribution / active EE | $2,819 | $4,769-40.9% | $4,268-34.0% | $4,379-35.6% |
| Participant deferral / active EE | $10,568 | $6,350+66.4% | $5,630+87.7% | $6,730+57.0% |
| Admin fee / account holder | $1,156 | $18,654-93.8% | $16,006-92.8% | $14,365-92.0% |