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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 | $157,270+104.9% | $141,173+128.3% | $152,870+110.8% |
| Participation rate | 81.8% | 84.8%-3.0pp | 82.5%-0.7pp | 82.4%-0.6pp |
| Annual return | 22.82% | 64.33%-41.5pp | 71.40%-48.6pp | 345.34%-322.5pp |
| Employer contribution / active EE | $4,146 | $5,261-21.2% | $4,735-12.4% | $4,763-12.9% |
| Participant deferral / active EE | $12,681 | $7,110+78.4% | $6,710+89.0% | $5,850+116.7% |
| Admin fee / account holder | $11,958 | $12,121-1.3% | $10,262+16.5% | $11,597+3.1% |