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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 | $286,672 | $162,136+76.8% | $152,301+88.2% | $154,746+85.3% |
| Participation rate | 80.0% | 84.1%-4.1pp | 82.4%-2.4pp | 80.7%-0.7pp |
| Annual return | 15.37% | 91.02%-75.7pp | 80.50%-65.1pp | 172.34%-157.0pp |
| Employer contribution / active EE | $1,717 | $4,890-64.9% | $4,624-62.9% | $4,379-60.8% |
| Participant deferral / active EE | $8,983 | $8,341+7.7% | $8,004+12.2% | $6,730+33.5% |
| Admin fee / account holder | $24,699 | $15,759+56.7% | $14,398+71.5% | $14,365+71.9% |