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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 | $255,674 | $201,370+27.0% | $184,256+38.8% | $145,897+75.2% |
| Participation rate | 93.3% | 87.5%+5.8pp | 86.8%+6.5pp | 80.3%+13.0pp |
| Annual return | 13.81% | 29.05%-15.2pp | 28.85%-15.0pp | 552.29%-538.5pp |
| Employer contribution / active EE | $2,589 | $7,024-63.1% | $6,427-59.7% | $4,663-44.5% |
| Participant deferral / active EE | $8,924 | $9,808-9.0% | $9,133-2.3% | $6,689+33.4% |
| Admin fee / account holder | $658 | $16,364-96.0% | $13,899-95.3% | $13,390-95.1% |