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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 | $262,340 | $148,623+76.5% | $135,974+92.9% | $139,466+88.1% |
| Participation rate | 80.0% | 83.9%-3.9pp | 81.9%-1.9pp | 80.3%-0.3pp |
| Annual return | 18.05% | 79.30%-61.2pp | 68.30%-50.3pp | 373.66%-355.6pp |
| Employer contribution / active EE | $20,706 | $5,246+294.7% | $4,859+326.2% | $4,754+335.6% |
| Participant deferral / active EE | $11,502 | $8,103+42.0% | $7,760+48.2% | $6,712+71.4% |
| Admin fee / account holder | $1,891 | $12,406-84.8% | $10,767-82.4% | $11,409-83.4% |