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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 | $282,419 | $185,312+52.4% | $161,489+74.9% | $154,746+82.5% |
| Participation rate | 75.0% | 82.5%-7.5pp | 78.7%-3.7pp | 80.7%-5.7pp |
| Annual return | 19.30% | 103.84%-84.5pp | 89.72%-70.4pp | 172.34%-153.0pp |
| Employer contribution / active EE | $9,196 | $4,769+92.8% | $4,268+115.4% | $4,379+110.0% |
| Participant deferral / active EE | $9,026 | $6,350+42.2% | $5,630+60.3% | $6,730+34.1% |
| Admin fee / account holder | $2,498 | $18,654-86.6% | $16,006-84.4% | $14,365-82.6% |