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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 | $296,283 | $201,344+47.2% | $184,243+60.8% | $145,877+103.1% |
| Participation rate | 80.0% | 87.5%-7.5pp | 86.8%-6.8pp | 80.3%-0.3pp |
| Annual return | 11.33% | 29.01%-17.7pp | 28.82%-17.5pp | 551.28%-540.0pp |
| Employer contribution / active EE | $6,561 | $7,022-6.6% | $6,427+2.1% | $4,663+40.7% |
| Participant deferral / active EE | $18,719 | $9,807+90.9% | $9,132+105.0% | $6,691+179.8% |
| Admin fee / account holder | $4,034 | $16,382-75.4% | $13,914-71.0% | $13,402-69.9% |