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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 | $317,403 | $162,136+95.8% | $152,301+108.4% | $154,746+105.1% |
| Participation rate | 76.9% | 84.1%-7.2pp | 82.4%-5.5pp | 80.7%-3.8pp |
| Annual return | 16.34% | 91.02%-74.7pp | 80.50%-64.2pp | 172.34%-156.0pp |
| Employer contribution / active EE | $3,507 | $4,890-28.3% | $4,624-24.2% | $4,379-19.9% |
| Participant deferral / active EE | $11,428 | $8,341+37.0% | $8,004+42.8% | $6,730+69.8% |
| Admin fee / account holder | $10,993 | $15,759-30.2% | $14,398-23.6% | $14,365-23.5% |