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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 | $338,095 | $154,228+119.2% | $145,433+132.5% | $137,256+146.3% |
| Participation rate | 90.5% | 83.8%+6.7pp | 82.1%+8.4pp | 80.0%+10.5pp |
| Annual return | 17.31% | 74.59%-57.3pp | 66.58%-49.3pp | 220.34%-203.0pp |
| Employer contribution / active EE | $15,183 | $4,804+216.0% | $4,554+233.4% | $4,156+265.3% |
| Participant deferral / active EE | $18,464 | $8,216+124.7% | $7,897+133.8% | $6,407+188.2% |
| Admin fee / account holder | $3,489 | $14,344-75.7% | $13,129-73.4% | $12,270-71.6% |