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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 | $328,814 | $197,637+66.4% | $177,848+84.9% | $158,982+106.8% |
| Participation rate | 88.9% | 88.5%+0.3pp | 87.7%+1.2pp | 82.0%+6.9pp |
| Annual return | 7.86% | 58.77%-50.9pp | 48.33%-40.5pp | 302.99%-295.1pp |
| Employer contribution / active EE | $9,184 | $6,698+37.1% | $5,919+55.2% | $4,763+92.8% |
| Participant deferral / active EE | $11,938 | $8,405+42.0% | $7,714+54.8% | $5,983+99.5% |
| Admin fee / account holder | $346 | $15,406-97.8% | $12,431-97.2% | $11,252-96.9% |