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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 | $156,398+116.2% | $147,318+129.5% | $138,895+143.4% |
| Participation rate | 90.5% | 83.8%+6.7pp | 82.1%+8.4pp | 79.9%+10.6pp |
| Annual return | 17.31% | 78.75%-61.4pp | 70.43%-53.1pp | 145.39%-128.1pp |
| Employer contribution / active EE | $15,183 | $4,853+212.8% | $4,593+230.6% | $4,194+262.0% |
| Participant deferral / active EE | $18,464 | $8,237+124.1% | $7,906+133.5% | $6,396+188.7% |
| Admin fee / account holder | $3,489 | $14,976-76.7% | $13,708-74.5% | $12,562-72.2% |