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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 | $368,060 | $201,344+82.8% | $184,243+99.8% | $145,877+152.3% |
| Participation rate | 85.7% | 87.5%-1.8pp | 86.8%-1.1pp | 80.3%+5.4pp |
| Annual return | 15.06% | 29.01%-14.0pp | 28.82%-13.8pp | 551.28%-536.2pp |
| Employer contribution / active EE | $4,624 | $7,022-34.1% | $6,427-28.0% | $4,663-0.8% |
| Participant deferral / active EE | $11,449 | $9,807+16.8% | $9,132+25.4% | $6,691+71.1% |
| Admin fee / account holder | $18,065 | $16,382+10.3% | $13,914+29.8% | $13,402+34.8% |