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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 | $287,163 | $178,174+61.2% | $156,181+83.9% | $137,256+109.2% |
| Participation rate | 72.2% | 82.0%-9.8pp | 78.8%-6.6pp | 80.0%-7.7pp |
| Annual return | 17.31% | 84.19%-66.9pp | 64.87%-47.6pp | 220.34%-203.0pp |
| Employer contribution / active EE | $4,600 | $4,972-7.5% | $4,294+7.1% | $4,156+10.7% |
| Participant deferral / active EE | $11,689 | $6,888+69.7% | $6,132+90.6% | $6,407+82.4% |
| Admin fee / account holder | $11,540 | $17,404-33.7% | $14,586-20.9% | $12,270-6.0% |