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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 | $270,199 | $162,136+66.6% | $152,301+77.4% | $154,746+74.6% |
| Participation rate | 91.7% | 84.1%+7.6pp | 82.4%+9.2pp | 80.7%+11.0pp |
| Annual return | 17.73% | 91.02%-73.3pp | 80.50%-62.8pp | 172.34%-154.6pp |
| Employer contribution / active EE | $12,953 | $4,890+164.9% | $4,624+180.1% | $4,379+195.8% |
| Participant deferral / active EE | $12,763 | $8,341+53.0% | $8,004+59.5% | $6,730+89.6% |
| Admin fee / account holder | $2,441 | $15,759-84.5% | $14,398-83.0% | $14,365-83.0% |