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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 | $336,150 | $185,312+81.4% | $161,489+108.2% | $154,746+117.2% |
| Participation rate | 92.3% | 82.5%+9.8pp | 78.7%+13.6pp | 80.7%+11.6pp |
| Annual return | 19.44% | 103.84%-84.4pp | 89.72%-70.3pp | 172.34%-152.9pp |
| Employer contribution / active EE | $5,969 | $4,769+25.2% | $4,268+39.8% | $4,379+36.3% |
| Participant deferral / active EE | $11,462 | $6,350+80.5% | $5,630+103.6% | $6,730+70.3% |
| Admin fee / account holder | $3,480 | $18,654-81.3% | $16,006-78.3% | $14,365-75.8% |