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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 | $264,408 | $183,592+44.0% | $155,567+70.0% | $145,959+81.2% |
| Participation rate | 80.0% | 82.7%-2.7pp | 78.2%+1.8pp | 80.3%-0.3pp |
| Annual return | 17.23% | 61.24%-44.0pp | 64.74%-47.5pp | 561.95%-544.7pp |
| Employer contribution / active EE | $2,790 | $5,315-47.5% | $4,674-40.3% | $4,661-40.1% |
| Participant deferral / active EE | $9,919 | $6,464+53.5% | $5,628+76.3% | $6,689+48.3% |
| Admin fee / account holder | $954 | $19,318-95.1% | $15,916-94.0% | $13,398-92.9% |