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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 | $302,538 | $148,582+103.6% | $135,942+122.5% | $139,456+116.9% |
| Participation rate | 86.7% | 83.9%+2.8pp | 81.9%+4.8pp | 80.3%+6.3pp |
| Annual return | 17.96% | 79.26%-61.3pp | 68.28%-50.3pp | 373.45%-355.5pp |
| Employer contribution / active EE | $6,133 | $5,245+16.9% | $4,858+26.3% | $4,753+29.0% |
| Participant deferral / active EE | $16,791 | $8,101+107.3% | $7,759+116.4% | $6,711+150.2% |
| Admin fee / account holder | $595 | $12,402-95.2% | $10,764-94.5% | $11,407-94.8% |