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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 | $348,418 | $185,312+88.0% | $161,489+115.8% | $154,746+125.2% |
| Participation rate | 90.0% | 82.5%+7.5pp | 78.7%+11.3pp | 80.7%+9.3pp |
| Annual return | 17.75% | 103.84%-86.1pp | 89.72%-72.0pp | 172.34%-154.6pp |
| Employer contribution / active EE | $2,200 | $4,769-53.9% | $4,268-48.5% | $4,379-49.8% |
| Participant deferral / active EE | $6,600 | $6,350+3.9% | $5,630+17.2% | $6,730-1.9% |
| Admin fee / account holder | $1,933 | $18,654-89.6% | $16,006-87.9% | $14,365-86.5% |