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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 | $322,248 | $157,304+104.9% | $141,197+128.2% | $152,909+110.7% |
| Participation rate | 81.8% | 84.8%-3.0pp | 82.5%-0.7pp | 82.5%-0.6pp |
| Annual return | 22.82% | 64.34%-41.5pp | 71.41%-48.6pp | 345.46%-322.6pp |
| Employer contribution / active EE | $4,146 | $5,263-21.2% | $4,736-12.5% | $4,764-13.0% |
| Participant deferral / active EE | $12,681 | $7,111+78.3% | $6,710+89.0% | $5,851+116.7% |
| Admin fee / account holder | $11,958 | $12,126-1.4% | $10,265+16.5% | $11,601+3.1% |