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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 | $156,398+126.3% | $147,318+140.2% | $138,895+154.8% |
| Participation rate | 90.5% | 83.8%+6.7pp | 82.1%+8.4pp | 79.9%+10.6pp |
| Annual return | 19.62% | 78.75%-59.1pp | 70.43%-50.8pp | 145.39%-125.8pp |
| Employer contribution / active EE | $9,131 | $4,853+88.1% | $4,593+98.8% | $4,194+117.7% |
| Participant deferral / active EE | $10,414 | $8,237+26.4% | $7,906+31.7% | $6,396+62.8% |
| Admin fee / account holder | $2,648 | $14,976-82.3% | $13,708-80.7% | $12,562-78.9% |