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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 | $372,675 | $132,099+182.1% | $115,599+222.4% | $138,895+168.3% |
| Participation rate | 80.0% | 77.9%+2.1pp | 74.3%+5.7pp | 79.9%+0.1pp |
| Annual return | 18.65% | 176.76%-158.1pp | 111.10%-92.5pp | 145.39%-126.7pp |
| Employer contribution / active EE | $3,279 | $3,416-4.0% | $2,955+10.9% | $4,194-21.8% |
| Participant deferral / active EE | $7,943 | $5,617+41.4% | $4,889+62.5% | $6,396+24.2% |
| Admin fee / account holder | $13,060 | $15,650-16.5% | $12,841+1.7% | $12,562+4.0% |