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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 | $316,181 | $167,415+88.9% | $140,514+125.0% | $198,609+59.2% |
| Participation rate | 94.1% | 80.9%+13.2pp | 77.8%+16.3pp | 82.4%+11.7pp |
| Annual return | 12.17% | 13.85%-1.7pp | 14.36%-2.2pp | 202.70%-190.5pp |
| Employer contribution / active EE | $5,285 | $4,088+29.3% | $3,378+56.4% | $5,055+4.5% |
| Participant deferral / active EE | $8,019 | $5,579+43.7% | $4,919+63.0% | $6,977+14.9% |
| Admin fee / account holder | $22,836 | $16,730+36.5% | $13,697+66.7% | $19,030+20.0% |