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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 | $306,581 | $155,555+97.1% | $146,866+108.7% | $155,188+97.6% |
| Participation rate | 80.0% | 84.0%-4.0pp | 82.5%-2.5pp | 80.8%-0.8pp |
| Annual return | 21.25% | 115.41%-94.2pp | 102.85%-81.6pp | 148.84%-127.6pp |
| Employer contribution / active EE | $3,801 | $4,647-18.2% | $4,425-14.1% | $4,248-10.5% |
| Participant deferral / active EE | $16,482 | $8,044+104.9% | $7,759+112.4% | $6,531+152.4% |
| Admin fee / account holder | $2,409 | $14,755-83.7% | $13,620-82.3% | $14,480-83.4% |