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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 | $306,133 | $185,312+65.2% | $161,489+89.6% | $154,746+97.8% |
| Participation rate | 75.0% | 82.5%-7.5pp | 78.7%-3.7pp | 80.7%-5.7pp |
| Annual return | 16.36% | 103.84%-87.5pp | 89.72%-73.4pp | 172.34%-156.0pp |
| Employer contribution / active EE | $3,628 | $4,769-23.9% | $4,268-15.0% | $4,379-17.1% |
| Participant deferral / active EE | $10,167 | $6,350+60.1% | $5,630+80.6% | $6,730+51.1% |
| Admin fee / account holder | $21,850 | $18,654+17.1% | $16,006+36.5% | $14,365+52.1% |