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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 | $347,229 | $162,136+114.2% | $152,301+128.0% | $154,746+124.4% |
| Participation rate | 80.0% | 84.1%-4.1pp | 82.4%-2.4pp | 80.7%-0.7pp |
| Annual return | 14.79% | 91.02%-76.2pp | 80.50%-65.7pp | 172.34%-157.6pp |
| Employer contribution / active EE | $1,636 | $4,890-66.5% | $4,624-64.6% | $4,379-62.6% |
| Participant deferral / active EE | $7,155 | $8,341-14.2% | $8,004-10.6% | $6,730+6.3% |
| Admin fee / account holder | $2,317 | $15,759-85.3% | $14,398-83.9% | $14,365-83.9% |