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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 | $336,392 | $125,778+167.4% | $114,563+193.6% | $154,746+117.4% |
| Participation rate | 80.0% | 75.2%+4.8pp | 72.9%+7.1pp | 80.7%-0.7pp |
| Annual return | 14.77% | 295.14%-280.4pp | 241.09%-226.3pp | 172.34%-157.6pp |
| Employer contribution / active EE | $7,999 | $2,806+185.1% | $2,592+208.6% | $4,379+82.7% |
| Participant deferral / active EE | $9,330 | $4,445+109.9% | $4,142+125.3% | $6,730+38.6% |
| Admin fee / account holder | $6,405 | $8,190-21.8% | $7,623-16.0% | $14,365-55.4% |