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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 | $256,800 | $185,312+38.6% | $161,489+59.0% | $154,746+65.9% |
| Participation rate | 71.4% | 82.5%-11.0pp | 78.7%-7.3pp | 80.7%-9.3pp |
| Annual return | 20.10% | 103.84%-83.7pp | 89.72%-69.6pp | 172.34%-152.2pp |
| Employer contribution / active EE | $1,312 | $4,769-72.5% | $4,268-69.3% | $4,379-70.0% |
| Participant deferral / active EE | $5,066 | $6,350-20.2% | $5,630-10.0% | $6,730-24.7% |
| Admin fee / account holder | $853 | $18,654-95.4% | $16,006-94.7% | $14,365-94.1% |