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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 | $353,932 | $154,228+129.5% | $145,433+143.4% | $137,256+157.9% |
| Participation rate | 90.5% | 83.8%+6.7pp | 82.1%+8.4pp | 80.0%+10.5pp |
| Annual return | 19.62% | 74.59%-55.0pp | 66.58%-47.0pp | 220.34%-200.7pp |
| Employer contribution / active EE | $9,131 | $4,804+90.1% | $4,554+100.5% | $4,156+119.7% |
| Participant deferral / active EE | $10,414 | $8,216+26.8% | $7,897+31.9% | $6,407+62.6% |
| Admin fee / account holder | $2,648 | $14,344-81.5% | $13,129-79.8% | $12,270-78.4% |