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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 | $211,239+65.4% | $178,528+95.7% | $145,877+139.5% |
| Participation rate | 81.8% | 80.8%+1.0pp | 77.1%+4.7pp | 80.3%+1.5pp |
| Annual return | 14.93% | 30.22%-15.3pp | 27.11%-12.2pp | 551.28%-536.4pp |
| Employer contribution / active EE | $6,959 | $4,570+52.3% | $3,950+76.2% | $4,663+49.2% |
| Participant deferral / active EE | $7,311 | $6,963+5.0% | $6,278+16.5% | $6,691+9.3% |
| Admin fee / account holder | $14,762 | $12,095+22.1% | $10,419+41.7% | $13,402+10.1% |