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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 | $359,780 | $156,398+130.0% | $147,318+144.2% | $138,895+159.0% |
| Participation rate | 90.9% | 83.8%+7.2pp | 82.1%+8.8pp | 79.9%+11.0pp |
| Annual return | 14.45% | 78.75%-64.3pp | 70.43%-56.0pp | 145.39%-130.9pp |
| Employer contribution / active EE | $6,872 | $4,853+41.6% | $4,593+49.6% | $4,194+63.8% |
| Participant deferral / active EE | $11,463 | $8,237+39.2% | $7,906+45.0% | $6,396+79.2% |
| Admin fee / account holder | $8,225 | $14,976-45.1% | $13,708-40.0% | $12,562-34.5% |