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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 | $300,627 | $154,228+94.9% | $145,433+106.7% | $137,256+119.0% |
| Participation rate | 71.4% | 83.8%-12.4pp | 82.1%-10.7pp | 80.0%-8.5pp |
| Annual return | 12.48% | 74.59%-62.1pp | 66.58%-54.1pp | 220.34%-207.9pp |
| Employer contribution / active EE | $10,447 | $4,804+117.5% | $4,554+129.4% | $4,156+151.4% |
| Participant deferral / active EE | $6,987 | $8,216-15.0% | $7,897-11.5% | $6,407+9.1% |
| Admin fee / account holder | $14,309 | $14,344-0.2% | $13,129+9.0% | $12,270+16.6% |