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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 | $261,751 | $185,312+41.2% | $161,489+62.1% | $154,746+69.1% |
| Participation rate | 80.0% | 82.5%-2.5pp | 78.7%+1.3pp | 80.7%-0.7pp |
| Annual return | 14.76% | 103.84%-89.1pp | 89.72%-75.0pp | 172.34%-157.6pp |
| Employer contribution / active EE | $3,441 | $4,769-27.8% | $4,268-19.4% | $4,379-21.4% |
| Participant deferral / active EE | $9,991 | $6,350+57.3% | $5,630+77.5% | $6,730+48.4% |
| Admin fee / account holder | $1,978 | $18,654-89.4% | $16,006-87.6% | $14,365-86.2% |