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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 | $292,637 | $217,432+34.6% | $185,851+57.5% | $167,553+74.7% |
| Participation rate | 88.9% | 86.1%+2.8pp | 81.7%+7.2pp | 82.1%+6.8pp |
| Annual return | 11.28% | 148.43%-137.1pp | 122.11%-110.8pp | 478.89%-467.6pp |
| Employer contribution / active EE | $1,876 | $5,874-68.1% | $5,168-63.7% | $4,840-61.2% |
| Participant deferral / active EE | $8,095 | $6,357+27.3% | $5,569+45.4% | $6,343+27.6% |
| Admin fee / account holder | $13,464 | $19,820-32.1% | $16,245-17.1% | $12,316+9.3% |