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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 | $349,303 | $211,224+65.4% | $178,505+95.7% | $145,897+139.4% |
| Participation rate | 81.8% | 80.8%+1.0pp | 77.1%+4.7pp | 80.3%+1.5pp |
| Annual return | 14.93% | 30.28%-15.4pp | 27.16%-12.2pp | 552.29%-537.4pp |
| Employer contribution / active EE | $6,959 | $4,577+52.1% | $3,955+75.9% | $4,663+49.2% |
| Participant deferral / active EE | $7,311 | $6,966+5.0% | $6,280+16.4% | $6,689+9.3% |
| Admin fee / account holder | $14,762 | $12,109+21.9% | $10,428+41.6% | $13,390+10.2% |