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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 | $251,457 | $178,174+41.1% | $156,181+61.0% | $137,256+83.2% |
| Participation rate | 83.3% | 82.0%+1.3pp | 78.8%+4.5pp | 80.0%+3.4pp |
| Annual return | 15.38% | 84.19%-68.8pp | 64.87%-49.5pp | 220.34%-205.0pp |
| Employer contribution / active EE | $2,432 | $4,972-51.1% | $4,294-43.4% | $4,156-41.5% |
| Participant deferral / active EE | $9,594 | $6,888+39.3% | $6,132+56.5% | $6,407+49.7% |
| Admin fee / account holder | $1,355 | $17,404-92.2% | $14,586-90.7% | $12,270-89.0% |