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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 | $384,873 | $154,228+149.5% | $145,433+164.6% | $137,256+180.4% |
| Participation rate | 87.5% | 83.8%+3.7pp | 82.1%+5.4pp | 80.0%+7.5pp |
| Annual return | 13.94% | 74.59%-60.6pp | 66.58%-52.6pp | 220.34%-206.4pp |
| Employer contribution / active EE | $4,006 | $4,804-16.6% | $4,554-12.0% | $4,156-3.6% |
| Participant deferral / active EE | $15,164 | $8,216+84.6% | $7,897+92.0% | $6,407+136.7% |
| Admin fee / account holder | $5,541 | $14,344-61.4% | $13,129-57.8% | $12,270-54.8% |