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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 | $255,714 | $201,372+27.0% | $184,260+38.8% | $145,884+75.3% |
| Participation rate | 94.4% | 87.5%+7.0pp | 86.8%+7.6pp | 80.3%+14.1pp |
| Annual return | 17.29% | 29.04%-11.7pp | 28.84%-11.5pp | 551.85%-534.6pp |
| Employer contribution / active EE | $8,879 | $7,024+26.4% | $6,427+38.1% | $4,662+90.4% |
| Participant deferral / active EE | $17,028 | $9,808+73.6% | $9,133+86.4% | $6,690+154.5% |
| Admin fee / account holder | $832 | $16,362-94.9% | $13,898-94.0% | $13,392-93.8% |