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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 | $319,714 | $154,228+107.3% | $145,433+119.8% | $137,256+132.9% |
| Participation rate | 83.3% | 83.8%-0.5pp | 82.1%+1.2pp | 80.0%+3.4pp |
| Annual return | 16.54% | 74.59%-58.0pp | 66.58%-50.0pp | 220.34%-203.8pp |
| Employer contribution / active EE | $3,459 | $4,804-28.0% | $4,554-24.1% | $4,156-16.8% |
| Participant deferral / active EE | $9,551 | $8,216+16.2% | $7,897+20.9% | $6,407+49.1% |
| Admin fee / account holder | $1,604 | $14,344-88.8% | $13,129-87.8% | $12,270-86.9% |