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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 | $335,280 | $212,386+57.9% | $199,883+67.7% | $138,895+141.4% |
| Participation rate | 90.9% | 87.4%+3.5pp | 86.8%+4.1pp | 79.9%+11.0pp |
| Annual return | 20.41% | 47.75%-27.3pp | 43.81%-23.4pp | 145.39%-125.0pp |
| Employer contribution / active EE | $18,880 | $6,625+185.0% | $6,261+201.5% | $4,194+350.2% |
| Participant deferral / active EE | $15,063 | $9,617+56.6% | $9,138+64.8% | $6,396+135.5% |
| Admin fee / account holder | $10,347 | $18,233-43.3% | $17,268-40.1% | $12,562-17.6% |