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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 | $263,506 | $102,938+156.0% | $94,105+180.0% | $138,895+89.7% |
| Participation rate | 76.5% | 74.6%+1.8pp | 71.9%+4.5pp | 79.9%-3.4pp |
| Annual return | 20.05% | 250.28%-230.2pp | 204.55%-184.5pp | 145.39%-125.3pp |
| Employer contribution / active EE | $2,301 | $2,732-15.8% | $2,504-8.1% | $4,194-45.1% |
| Participant deferral / active EE | $7,797 | $4,196+85.8% | $3,881+100.9% | $6,396+21.9% |
| Admin fee / account holder | $626 | $6,600-90.5% | $6,199-89.9% | $12,562-95.0% |