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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 | $261,643 | $162,136+61.4% | $152,301+71.8% | $154,746+69.1% |
| Participation rate | 83.3% | 84.1%-0.8pp | 82.4%+0.9pp | 80.7%+2.6pp |
| Annual return | 16.47% | 91.02%-74.6pp | 80.50%-64.0pp | 172.34%-155.9pp |
| Employer contribution / active EE | $18,451 | $4,890+277.3% | $4,624+299.0% | $4,379+321.3% |
| Participant deferral / active EE | $12,217 | $8,341+46.5% | $8,004+52.6% | $6,730+81.5% |
| Admin fee / account holder | $7,321 | $15,759-53.5% | $14,398-49.1% | $14,365-49.0% |