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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 | $324,418 | $162,136+100.1% | $152,301+113.0% | $154,746+109.6% |
| Participation rate | 83.3% | 84.1%-0.8pp | 82.4%+0.9pp | 80.7%+2.6pp |
| Annual return | 17.46% | 91.02%-73.6pp | 80.50%-63.0pp | 172.34%-154.9pp |
| Employer contribution / active EE | $5,530 | $4,890+13.1% | $4,624+19.6% | $4,379+26.3% |
| Participant deferral / active EE | $17,523 | $8,341+110.1% | $8,004+118.9% | $6,730+160.4% |
| Admin fee / account holder | $10,293 | $15,759-34.7% | $14,398-28.5% | $14,365-28.3% |